davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-14
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. (AL)

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 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 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other 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 ) 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 2023-02-01
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: BTS Motors, LLC (TX)

XXXX XX/XX/XXXX - informed XXXX XXXX XXXX XXXX for XXXX XXXX XXXX TX ) That I needed to send copy of declaration page for my account and charge removal. XXXX stated, " I can not take off charge right away ; '' though recent practices suggest otherwise. She continued to conclude that, " a review is needed by XXXX dept. to review and process. XXXX will take up XXXX business days before reflection on account. The employee combatively responded to the effect that, " If I do not take care of my payment repossession of vehicle and consistent calls may follow after the call. It is our policy to do so. '' - XXXX XXXX : I had received poor and unprofessional level communication from this employee who again reflected and insinuated levels of harassment and retaliation based off of their company 's policy. When I asked outlined questions addressing the policy and where to send these documents, she had provided an email that was later inaccurate. Later Called again Addressing the issue, yet again no resolve on the matter. 

XXXX XX/XX/XXXX - XXXX ( Customer XXXX XXXX XXXX XXXX  ) directed that the email was not provided to the department and ask for resubmission. Upon resubmission both departments did not receive email. The Company later ruled that on the XX/XX/XXXX that a department had received declaration, but department was closed. The rep later stated, " to call Monday following alleged submission. '' - Complaintee Response : I speculate that if such email was received and provided, The Company XXXX XXXX XXXX XXXX ) would have the discretion to remove such charge off of the accountant. 

XXXX XXXX - XXXX spoke with XXXX different Reps ranging combative communication to unprofessional communication regarding my account. The appropriate department did receive my documents with the correct information. However, It was delegated that department would still review information. There has been no updated information upon submitting.
Consumer complaint received 2023-02-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY (IN)

Wells Fargo Checking account they messed up the company name, it was XXXX XXXX XXXX XXXX, but when the ability to take credit cards was attached to our account, the named that XXXX XXXX XXXX To this day when I get a refund, or any other correspondence, my current bank won't honor it. 

Another problem was our credit card with Wells Fargo. We missed 1 payment, due to an emergency in our family, and they raised our interest rate phenomenally. Wouldn't take any explanation, and rammed the new interest rate. Telling us, that we could just pay it off, if we weren't happy.
Consumer complaint received 2023-01-07
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. (AL)

I received a copy of my credit report and I noticed an outdated/incorrect address as well as misspellings of my name. The incorrect address is being reported by Transunion. My name is being reported incorrectly by both XXXX and Transunion. 

I sent a dispute letter to all XXXX on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX and XXXX deleted the incorrect address however, Transunion hasn't. Neither Transunion nor XXXX deleted the misspelled names. I did receive stall letters in the mail stating that my letters were not from me and they were. I responded back to each stall letter and the Bureaus still have not removed the incorrect personal information that is being reported. All letters were mailed by Certified Mail and were delivered per the tracking numbers. I have a copy of all the Certified Mail receipts and tracking numbers.
Consumer complaint received 2023-01-07
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. (GA)

I submitted a letter to the XXXX Credit Bureaus on XX/XX/2022, to update this suspicious information. I think you have not validated these accounts 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 : {$400.00} XXXX XXXX XXXX : {$490.00}
Consumer complaint received 2023-01-07
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION (LA)

I am disputing an issue with Credit Acceptance. This company repossessed a vehicle which I was the co- borrower for. I had no knowledge of how to locate the vehicle before it got repossessed. I spoke with the company about it with no success. Once I reported the issues with the CFPB before thats when they stated the vehicle was repossessed. Before that they was reporting it unpaid by 120 days late for about 2 years. They also re-aged this account multiple times. It is illegal to re-age credit and it is Illegal to not send out paperwork about the repossession. I have no correspondence at all for the vehicle being repossessed. They never said where it was sold or when it was sold. I want this account removed from my credit report due to the inaccuracies.
Consumer complaint received 2023-01-07
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MD)

I have been a member with USAA Federal Savings Bank for over 25 years and every 6 months they find a way to increase my auto and homeowner 's policy rates up to {$200.00} or {$300.00} approximately stating some bogus reasons. I have to call and go through my policies to try and have the amounts reduced by reducing options within the policy. This has become tasking and USAA, with numerous lawsuits, have misrepresented themselves regarding. I shouldn't continue to have policy issues and significant increases every 6 months and every year to help USAA take more money from me unnecessarily. Now, I am being told, per my homeowner 's policy, I have to to just deal with their automatic increases, which is bogus. I would like to be able to stay on budget and not continuously have to be ripped off by such continuing increases without a legitimate cause. Please help and thank you. My USAA member number is XXXX.
Consumer complaint received 2023-01-07
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: EQUIFAX, INC. (FL)

This company has failed on multiple occasions in the past couple months to comply to the laws. They have failed to investigate my dispute properly, FAILED TO RESPOND to my disputes, failed to prove investigations, failed TO PROVE OWNERSHIP, failed to legally verify and prove willful negligence. 

This company has FAILED to investigate and validate this information and provide me with copies of documentation associated with these accounts bearing my signature showing that I gave ANY PERMISSIBLE PURPOSE to furnish any information on my behalf. 

I, XXXX XXXX XXXX, have gathered all this information for litigation to file lawsuits and seek jury trial on this matter against the credit bureaus and these companies that are making money off me while maintaining my credit in the ruins and selling my information to third parties.
Consumer complaint received 2023-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

XXXX Mortgage company was informed that the information reported on my credit file was incorrect. Even after reporting it to the various credit bureaus, they ignored or refused to remove the inaccuracies. I have been writing and communicating with XXXX to remove this information. 
Even after selling the property and paying them in total, according to their pay-off letter, they continued to report inaccuracies and make comments on my credit report that were not true. 
I can't understand the reasoning behind their continuing refusal to remove said malicious and erroneous information from my credit file.
Consumer complaint received 2023-01-07
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. (LA)

XXXX XXXX XXXX # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall ot furnish any information relating to a consumer to any consumer reporting agency ifthe person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (MN)

XXXX 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC. (MS)

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. 

XXXXXXXX XXXX  XXXX account # : XXXX XXXX Amount {$5.00} XXXX XXXX XXXX account # : XXXX XXXX Amount {$1100.00} XXXX XXXX XXXX  account XXXX : XXXX XXXX Amount {$2200.00} XXXX XXXX XXXXXXXX account # : XXXX XXXX Amount {$2200.00} XXXX XXXX XXXXXXXX account # : XXXX XXXX Amount {$3600.00} XXXX XXXX XXXX XXXX XXXX Amount {$1100.00} 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other 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 ) 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 2020-05-27
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (FL)

Global Corona pandemic and Navy Federal credit union REFUSED to release my COVID-19 stimulus payment! After 2 frustrating calls to their call center explaining my XXXX son and needed the funds release for food, a supervisor NAMED XXXX RUDELY HUNG UP ON ME before falsely accusing me calling her lier ; ALL ON THEIR RECORDED LINES!! 
After the first rude disconnection and her ( XXXX ) refusal to release my funds into my account ; I called back requesting another supervisor to collect names and chain of command complaint contact information. 
Coincidentally, XXXX answered the second supervisor escalation also! Unaware she was THE RUDE/CURT supervisor whod previously hung up on me before identifying herself ; Id asked her to check previous digital call log and provide me with names of parties involved. 
She proceeds and then confirms she was the RUDE/CURT supervisor whod disconnected!! 
XXXX went on to falsely give me inaccurate time stamps of the previous call, which I brung to her attention and reminded her the call was being monitored ; and that Id never called her her lier as shed accused!! 
XXXX then falsely claims shes being badgered ; I then asked if she was XXXX as situation didnt warrant any other plausible reason for her refusal to do her JOB!!! Which was to release the pending funds into my account. XXXX then rudely hung up on me AGAIN, leaving my XXXX son and I HUNGRY!! I wish for call logs to be reviewed and XXXX to be FIRED FOR DISCRIMINATION!!
Consumer complaint received 2023-01-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (CA)

My mother passed away in XXXX of XXXX. I am the trustee of her estate, which includes a property subject to a mortgage serviced by PHH Mortgage ( PHH ). I mailed all requested documentation to PHH Mortgage in XXXX of XXXX  to verify my successor status. I have made payments, but have not received a statement in months. I have requested that they accept me as the successor in interest, and they have no reason to dispute my claim. I recently learned that PHH has reported a delinquent payment. THIS IS AN OUTRAGE!! I have waited almost six ( 6 ) months for a response to my letter, with attendant documents, which was sent to your office on XX/XX/2022. I have multiple forms of confirmation that these documents were sent to you in a manner which satisfy the California Evidence Code. 

This is clearly a defamation of the estates credit you know very well from my letter FROM ALMOST SIX ( 6! ) MONTHS AGO as well as my subsequent conduct of sending payments WITHOUT THE BENEFIT OF ANY MONTHLY STATEMENTS. 

At this point, it seems clear that it is PHHs intent is to foreclose on the property due to nonpayment after this oppressive practice. This is a violation of Californias Unfair Business Practice Act, California Business and Professions Code 17200 et seq. as well as an obvious violation of California Civil Code 2920.7. I feel that the CFPB should intervene.
Consumer complaint received 2023-01-31
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)

I reached out to Experian, XXXX, and XXXX on XX/XX/XXXX asking them to verify these debts by contracts and signatures of mine I also sent them police reports they still haven't removed anything ( XXXX patrolman 's fcu ) {$1800.00} XX/XX/XXXX, bankruptcy chapter XXXX XX/XX/XXXX, bankruptcy chapter XXXX XX/XX/XXXX, bankruptcy chapter XXXX XX/XX/XXXX.
Consumer complaint received 2020-05-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: MOHELA (GA)

I was shocked when I reviewed my credit report and found 120 days late payment on the dates XX/XX/XXXX, XX/XX/XXXX to XX/XX/XXXX, XX/XX/XXXX to XX/XX/XXXX. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2023-01-31
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. (FL)

In accordance with the fair credit reporting act XXXX XXXX XXXX ACCOUNT # XXXX has violated my rights. This account has been paid in full and closed but it is still reporting inaccurate information on my credit report as a delinquent open account. That is inaccurate fraudulent information and has hurt me the previous few months in obtaining housing and business funding.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. According to the law U.S. Code 1681i- Procedure in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the 30 day period beginning on the date in which the agency receives the notice of the dispute from the consumer or reseller.
Consumer complaint received 2023-01-31
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (GA)

We heard there may be a law sued by Wells Fargo. In 1981 we worked out a plan with Wells Fargo to pay our mortgage 6 months on time and they would work out a plan to modify our mortgage. We paid over 6 months and they contacted us shortly prior to XXXX 1981 with no modification the same mortgage with all the back payment and interest due at one time. We were back on our feel but could not do that we were fine with paying it back over time on the tail end etc. But had to way to come up with all upfront. We called customer service and they said too bad and would start foreclosure on us. Many friends with other companies were receiving modifications very favorable but we were floored. The address was XXXX XXXX  XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX and XXXX XXXX XXXX
Consumer complaint received 2020-05-27
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. (MO)

The following accounts on my credit files does not match the authenticated accounts known to me. These particular accounts possibly derived from my information being stolen. Mentally and emotionally this has destroyed my sanity All I'm asking for the 3 major credit reporting agencies to remove and block these unknown frivolous accounts. 

1 ) XXXX XXXX {$590.00} 2 ) XXXX XXXX XXXX {$790.00} 3 ) XXXX XXXX XXXX {$610.00} 4 ) XXXX XXXX XXXX {$160.00} 5 ) XXXX XXXX  XXXX {$70.00} 6 )  XXXX XXXX XXXX {$99.00} 7 ) Dept of ED/XXXX   {$31000.00} 8 ) XXXX/ XXXX 9 ) XXXX  10 ) XXXX  {$500.00} 11 ) XXXX XXXX XXXX  12 ) XXXX  XXXX XXXX XXXX   {$21000.00}
Consumer complaint received 2023-01-07
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc. (NY)

In XX/XX/XXXX  I changed insurance coverage for my car to XXXX XXXX through XXXX ( then XXXX ) from XXXX XXXX. My previous insurance was expiring on XX/XX/XXXX but I canceled on XX/XX/XXXX because I got a new car and the new quote they gave me was too high for my budget. Upon cancelation which they acknowledged a day before expiration XXXX sent me a bill of {$110.00} outstanding payment which they did not explain what the charge is for or why I am being charged. I sent them evidence that I canceled before time and sent the declaration page for the new insurance but they handed me over to a debt collection company XXXX Credit Collection Services ) who threatened to report me to the credit bureau if I don't pay the outstanding amount. I agreed to a payment plan which they approved and made the XXXX payment on XX/XX/XXXX ( see attached ). However, I received my credit report in XXXX and it shows that a derogatory remark has been posted on my report from them on account of this collection. They also sent a letter to me that the agreement is cancelled because I defaulted in the agreement which is false because the money had been deducted from my account already. This is so unfair, firstly I was cheated to pay for a coverage I did not enjoy, then reporting me to the credit bureau for a collection they already made. I need a quick intervention to clear my credit records and also to get a refund for the unjust charges I received. This mis-representation of my credit record already depleted my credit scores by XXXX points so far and will have lasting impact on my records.
Consumer complaint received 2023-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX  XXXX XXXX XXXX, FL XXXX XXXX ; XXXX ; XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXX XXXXXXXX XX/XX/2022