davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-23
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: PENTAGON FEDERAL CREDIT UNION (CA)

XXXX XXXX I was connected with XXXX in the delinquency control department during this recorded call said that if I brought my loan ending in XXXX current my monthly payment would be {$150.00} per month so I agreed and brought my loan current. I called back later that day and spoke to XXXX who also confirmed that that my monthly payment would be {$150.00} per month. After bringing my loan current my account page at www.penfed.org showed a monthly payment of $ __.__ This changed in XX/XX/2022 to {$590.00} per month. I have been making the agreed upon payment of {$150.00} per month but Penfed has damaged my credit stating that I am past due. I have spoken to XXXX 's supervisors XXXX on XX/XX/2022 and XXXX XXXX who have been able to access the recorded call between myself and XXXX on XX/XX/XXXX and both have acknowledged the terms XXXX told my of {$150.00} per month. They said XXXX 's employment with XXXX has ceased and that she made a mistake and that the monthly payment should have been {$590.00} per month. They can't help me resolve the situation.
Consumer complaint received 2023-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MD)

This account is has been showing on my consumer credit reports as a charge-off for 7 years plus. Ive been trying to dispute this issue for 2 years now. It is illegal to furnish income on a consumer report. A charge-off, according to the IRS, is income and you must file a 1099-C. They can't charge it off then report it to IRS. Furthermore, ( XXXX ) is committing tax fraud. As it stands, I have not received a copy of this form. My rights as a consumer are protected under Chapter 41 Title 15 USC 1601 highlights the consumer 's informed use of credit. At the time that I entered this consumer credit transaction, I was uninformed and I did not understand as the information was not clear and conspicuous. The agreement is null and void due to my lack of understanding because of your corporations unfair, deceptive, and misleadingpractices.
Consumer complaint received 2023-02-23
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: ENOVA INTERNATIONAL, INC. (KY)

I was looking into a debt consolidation loan and was directed by XXXX XXXX to check Net Credit. When I went to the site it said I could check my options with no damage to my credit score. So, I did. After seeing the offer I opted not to continue with Net Credit, as I didnt want a high interest line of credit. Several days later I got an adverse action letter from Net Credit about my application. I never applied for credit in the first place, so I didnt understand why I was getting an adverse letter. I only checked my rates. I asked the company why I was getting the adverse action as I never formally applied and they only told me that there was no hard inquiry. A day later I received another adverse action letter from them. I asked again why I was receiving it, and to remove my information and they only responded that I couldnt have my information removed. I suspect that by logging in to check rates thats bate for an application. I know 100 % that I never formally applied and its not okay to not disclose that checking rates is an application. Its a very deceptive practice and I am scared that they will continue to use my personal information.
Consumer complaint received 2023-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CORELOGIC INC (IA)

In accordance with the Fair Credit Reporting act. These companies, businesses, corporations, institutions, bureaus, agencies, organizations, and establishments have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681 Parties involved with this violation of my federally protected rights are : XXXX, XXXX, XXXX, XXXX XXXX ( XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), XXXX, XXXX, CoreLogic, XXXX, XXXX, XXXX, and XXXX ( XXXX XXXX XXXXXXXX XXXX XXXX ). 

According to the 15 U.S.C. 1681 602 ( a ) and 602 ( b ). It states I have the right to privacy, accuracy, relevancy, proper utilization, and fairness of credit reporting. The manner to which the parties involved stated above are practicing is a direct violation of these acts. 

The only personal information that must be reflected as accurate information with these parties are : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXX : XX/XX/1993 Employer : XXXX Phone Number : XXXX All other variations, differences, and discrepancies, will be considered no less than inaccurate information and must be corrected, by deleting the inaccurate information, and replacing it with the correct personal information above.
Consumer complaint received 2023-02-24
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. (CA)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX  XXXX Balance {$170.00} ; XXXX XXXX XXXX XXXX XXXX {$730.00}.
Consumer complaint received 2020-05-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

My XXXX year old father who has a XXXX XXXX of XXXX began to complain that his step daughter maximized the spending on all of his credit cards and withdrawing funds from his checking account.. There was {$65000.00} spent from his account from XX/XX/XXXX to XX/XX/XXXX. His prior spending habits had been to withdraw {$400.00} or {$500.00} each month for groceries as all of his bills were deducted electronically. While in a XXXX center, he convinced me to contact Bank of America. We would learn that my father 's step-daughter had opened a debit card in her name under his long standing checking account.. There was no need for her, or anyone to have a debit card under his account. My father advised BOA that he never authorized her to be on the account. When we asked to be provided with the documentation that showed how she was added to the account, we were denied. I changed my father 's address and received a letter from BOA requesting that he remove his name from his checking account and give his step-daughter complete ownership. We requested an investigation from the fraud department and was advised that it wasn't fraud because his step-daughter was an authorized owner on the account. Finally during a three way call between he, BOA and I we were advised that there was an investigation and that there was no fraudulent activity found. We were told that there was nothing that my father could do. We were told that the only way that I could speak on my father 's behalf without him would be if I obtained " POA ''. which I did. I was even told from a representative in North Carolina at the Headquarters that my father 's step-daughter was spending his Social Security and Pension. She even contacted Adult Protective Services. I even contacted the local branch where I was advised by the manager that I could bring the POA documents to them and then I would have access to the account. I scheduled and appointment and did so. Once there, I was advised that " all of a sudden '' there is a major investigation of fraud on the account and the funds are frozen and I could not have access to his account.. My father does not even have access to his own money, including his pension, and social security.. He will be discharged from the XXXX  center on Monday, XX/XX/XXXX without access to his money, needed to pay for his care. My father has the legal right to be provided an update on the status of his checking account.
Consumer complaint received 2020-05-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX  ; XXXX  and Transunion are reporting incorrectly that I am ( 60 ) days late on the XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2023-02-16
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: Stellantis Financial Services US Corp. (NE)

I have an existing car loan through First Investors. Previously I had some late payments on my account, and when I called them to resolve they recommended I sign up for their Fresh Start program. The agent told me that after completing 4 on time payments my account would be brought current and all late payments would be removed from my credit file as a courtesy. This has not been done. I competed the fresh start program at the beginning of XX/XX/2023 and still show late payments on my credit report. I emailed first investors about this several times and have not had a resolution. They keep attached my agreement which mentions nothing about late payments. Please resolve this.
Consumer complaint received 2023-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Park Hill Holdings (IA)

In accordance with the Fair Credit Reporting act. These companies, businesses, corporations, institutions, bureaus, agencies, organizations, and establishments have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681 Parties involved with this violation of my federally protected rights are : XXXX, XXXX, XXXX, XXXX XXXX ( XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), XXXX, XXXX, CoreLogic, XXXX, XXXX, and XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX 

According to the 15 U.S.C. 1681 602 ( a ) and 602 ( b ). It states I have the right to privacy, accuracy, relevancy, proper utilization, and fairness of credit reporting. The manner to which the parties involved stated above are practicing is a direct violation of these acts. 

The only personal information that must be reflected as accurate information with these parties are : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXX : XX/XX/1993 Employer : XXXX Phone Number : XXXX All other variations, differences, and discrepancies, will be considered no less than inaccurate information and must be corrected, by deleting the inaccurate information, and replacing it with the correct personal information above.
Consumer complaint received 2023-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I have emailed Captial One CEO and talk to other People at Capitial One I had a credit card I paid off.. It was charged off it keep reporting as charge off every month when its not supposed to the dola date doesnt match at all and tia not reporting the same on all 3 credt reports.. I know for facr capitial one has deleted accounts off reports acorrding to u.sc 1681 any informarion that has to be reported accuartly and it has not rhe dola date doesnt match all captial one keep doing is reporting as charge of chragre off which it is dead account smd paid for and its not reporting accurate either
Consumer complaint received 2023-02-23
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: CREDIT ACCEPTANCE CORPORATION (MI)

Credit Acceptance is refusing to provide me with the title to a car in which the debt is covered. According to Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692 et seq ) companies such as Credit Acceptance is participating in unfair debt collection practices. The Dodd-Frank Act granted rulemaking authority under the FDCPA to the consumer Financial Protection Bureau and , with respect to entities under its jurisdiction, granted authority to the CFBP to supervise for and enforce compliance with the FDCPA.
Consumer complaint received 2023-02-23
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: WELLS FARGO & COMPANY (MD)

Today XXXX my husband was contacted by a XXXX XXXX informing him that he represented XXXX XXXX XXXX and he would be here tomorrow to serve him papers. Then they sent over a form to put our banking information so we could clear the debt from XXXX at Wachovia ( which we did years ago ) I told my husband not to fill anything out as it sounds very sketchy.
Consumer complaint received 2020-05-27
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. (MD)

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. These suspicious items are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 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 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 2023-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: FactorTrust, Inc. (IA)

In accordance with the Fair Credit Reporting act. These companies, businesses, corporations, institutions, bureaus, agencies, organizations, and establishments have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681 Parties involved with this violation of my federally protected rights are : XXXX, XXXX, XXXX, XXXX XXXX ( XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), FactorTrust, XXXXXXXX XXXX XXXXXXXX, XXXX, and XXXX ( XXXX XXXX XXXXXXXX XXXX XXXX ). 

According to the 15 U.S.C. 1681 602 ( a ) and 602 ( b ). It states I have the right to privacy, accuracy, relevancy, proper utilization, and fairness of credit reporting. The manner to which the parties involved stated above are practicing is a direct violation of these acts. 

The only personal information that must be reflected as accurate information with these parties are : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXX : XX/XX/ Employer : XXXX  Phone Number : XXXX All other variations, differences, and discrepancies, will be considered no less than inaccurate information and must be corrected, by deleting the inaccurate information, and replacing it with the correct personal information above. 
Attached to this complaint are supporting documents to validate the accuracy of my personal information.
Consumer complaint received 2023-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: ID Analytics, Inc. (IA)

In accordance with the Fair Credit Reporting act. These companies, businesses, corporations, institutions, bureaus, agencies, organizations, and establishments have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681 Parties involved with this violation of my federally protected rights are : XXXX, XXXX, XXXX, XXXX XXXX ( XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), XXXX, SageStream, XXXX, XXXX, XXXX, and XXXX ( XXXX  and XXXX XXXX XXXX ). 

According to the 15 U.S.C. 1681 602 ( a ) and 602 ( b ). It states I have the right to privacy, accuracy, relevancy, proper utilization, and fairness of credit reporting. The manner to which the parties involved stated above are practicing is a direct violation of these acts. 

The only personal information that must be reflected as accurate information with these parties are : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXX : XX/XX/1993 Employer : Self-Employed Phone Number : XXXX All other variations, differences, and discrepancies, will be considered no less than inaccurate information and must be corrected, by deleting the inaccurate information, and replacing it with the correct personal information above.
Consumer complaint received 2020-05-28
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO. (MI)

I received a letter dated XX/XX/2020 offering to refinance my mortgage with Chase Bank at a new interest rate of 3.625 %. The first page prominently states " No cost to you '', which is repeated three times on the first page. The second page states " {$0.00} closing costs '' and a detailed lists of sample closing costs with XXXX costs. 
I replied to the offer by applying, then received a phone call from a Chase mortage advisor. He asked me a few questions, then gave me some terms on a refinanced mortage with a higher monthly payment than what I am currently paying. After repeated questioning, he told me the mortage would include about {$2700.00} in closing costs. I told him about the letter, twice. He finally just admitted they meant " no closing costs up front ''. The letter does not say " closing costs folded into the principal '', it says " no closing costs ''. I then told him I was withdrawing my application and hung up.
Consumer complaint received 2020-05-28
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TOYOTA MOTOR CREDIT CORPORATION (MA)

I see multiple 30 & 60-days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2023-02-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I made a dispute about the negative item listed on my credit report by XXXX XXXX. I contacted all three bureau and no reasonable investigation conducted. This company list the account as an open collection account. This item violates the FCRA 15 U.S code 1681b permissible purposes ( 2 ) ( a ) ( i ) ( ii ) the company nor the credit bureau had permission to procure a report. 

A 1099C form the was sent to me by the company, as cancellation of debt in which I had to file as INCOME on my IRS tax return, and cant be considered debt. The 1099C states the this company no longer seeks collection yet they still report it as open debt collection with a different amount the shown on document.
Consumer complaint received 2023-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

For many years since XXXX and Present XXXX has put many negatives and collections on my credit report and I have filed many Federal complaints and XXXX ignore in deleting the negative collections and negative marks on my XXXX Credit report. 

XXXX allow their third parties business partners to use my Private information such as Social Security number and all my private information. 
XXXX even had a Data Bleach issues and was sued by Law Firms in XXXX Georgia with a {$1.00} XXXX Dollars Class Action Lawsuit in which I haven't receive my Restitution Award Settlement check no less than {$50000.00} and XXXX XXXX XXXX XXXX XXXX XXXX, Washington XXXX with Claim number # XXXX Refuses to send my check by US Postal Mail Service Express, or Federal Express Mail XXXX XXXX Mail Express as respectfully requested. 
Email : XXXX I am Respectfully Disabled Life and Retired and a US XXXX XXXX XXXX Veteran.
Consumer complaint received 2023-02-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC (CO)

I am filing a complaint with ALDOUS AND ASSOCIATES they are hurting my credit because of there an inaccuracy on my credit report. My name is XXXX XXXX XXXX, and my address is XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXXXXXX. 
I recently pulled my report and noticed an inaccuracy in the information being reported by XXXX. Specifically, I am disputing the following : Unknow who is ALDOUS AND ASSOCIATES they are not reported with XXXX or XXXX account is incomplete, so I am unable to compare and they are not responding to me. 

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 1692c. Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt-