davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-29
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: CREDIT ACCEPTANCE CORPORATION (AL)

In accordance with the Fair Credit Reporting Act this Creditor ( Credit Acceptance Corp ) ( XXXX XXXXXXXX XXXX XXXX has Violated my rights under the 15 USC 1681 section 602 States I have the right to privacy. 15 USC 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15USC 1666 B 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 2021-05-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Hey Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud account off my report. Attached is my ID and my report I filed for identity theft because these accounts was not mine. Have them remove these. Thank you.
Consumer complaint received 2021-03-25
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: Early Warning Services, LLC (NY)

There is a fraudulent bank account that is reporting on my EWS and XXXX XXXXeports. I have viewed my reports and I have never opened this fraudulent account. This account has destroyed my ability to create relationships with new banks and is hurting me in ways unimaginable. It is extremely unfair that I have to deal with this when the fault is not my own. As a consumer reporting agency, you too fall under the laws of the Fair Credit Reporting Act. I am enacting my consumer rights by disputing this fraudulent information. According to section 605 B of the Fair credit reporting act, this account must be removed from my consumer report immediately. Failure to comply will be seen as an illegal act under FEDERAL LAW.
Consumer complaint received 2023-05-22
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. (IA)

In accordance with the fair credit reporting act. The list below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 XXXX XXXX  acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX XXXX XXXX acct # XXXX 15 U.S.C 1681 section 602A 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 insructions.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the in information is inaccurate.

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 wich antedates the report by more than seven years.
Consumer complaint received 2020-11-12
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: Resurgent Capital Services L.P. (TN)

I have requested several times for my credit report to be corrected. LVNV Funding and XXXX XXXX XXXX  has reported that my account was charged off. XXXX XXXX XXXX sold the account to LNVN Funding, they took me to court and ordered me to pay 100 % of the debt. 

I am in the process of purchasing a home, and it is adversely impacting my credit file. I have paid the bill in its entirely. I feel that this is adversely impacting and violating my rights as a consumer.
Consumer complaint received 2022-01-06
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. (IL)

i talked to 5 people at XXXX and asked them to remove themselves from my credit report and they said they would but just tried selling me a loan which i didnt want
Consumer complaint received 2021-03-31
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP (CO)

The mortgage was in my father 's name but he passed away in XX/XX/2019. It took almost a year to get my mother named as successor of interest completed with US Bank. We also included XXXX of Attorney which allows me to act as my mothers representative. US Bank calls me continiously but there is usually no one on the other end. It's simply their computer calling my number but no agent. There was an agent today named XXXX. She asked to speak with XXXX and I explained that he had passed and my mother was the SOI and I had POA for her and this had been in place for over a year. She stated that US Bank has no record of this and instructed me to send in a death certificate. As I have already done this, I don't know what else I can do. The also went to her house when she wasn't home and taped a letter to the door addressed to XXXX XXXX who is deceased.
Consumer complaint received 2021-12-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CLGF Holdco 1, LLC (NC)

Genesis FS Card Services offered me to close my account for a payment of XXXX dollars and to lower my interest rate to 0.00 Apr once closed and to only charge 2 % minimum to keep as hardship program and to keep this from negative reporting they have taken the XXXX dollars to start the program but actually never sent me anything on the program. And I am at a point to sue. In small claims as this is not a large charge card
Consumer complaint received 2021-12-07
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. (FL)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX-Date of inquiry XX/XX/2020 XXXX-Date of inquiry XX/XX/2020 XXXXXXXX-Date of inquiry XX/XX/2020 XXXXXXXX XXXXDate of inquiry XX/XX/2020
Consumer complaint received 2021-03-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (NY)

I paid my mortgage to Chase in the branch on XX/XX/2021. I received an email on XX/XX/2021 that my mortgage payment was due. I went to the branch that I always use and was told that the payment was applied to a car loan that we paid off around a year ago. I was then told that I have to call the chase mortgage number to fix the issue because they couldn't fix it. I called chase mortgage and was told I have to call chase auto finance since the payment was applied to an auto loan. The first time I spoke with chase auto they told me that after 10 business days I would get the check back. It's been 11 business days. I called chase auto again and was told it should have been returned after 3 business day. The representative told me they would " escalate the issue ''. It's been more than 2 weeks and the payment has not been put back in my checking account and they are having trouble locating it. I just want my money back
Consumer complaint received 2020-11-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I Have contacted CREDIT BUREAUS on numerous occasions to have incorrect or outdated personal information removed, however, they are refusing to remove the information stating that items come back validated even though the information is incorrect.
Consumer complaint received 2021-03-03
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: AAA Auto Title Loans, LLC (AZ)

In XX/XX/2021 I visited the Cash 1 store on XXXX  and XXXX to refinance my loan which I had done at XXXX  and XXXX XXXX a month or so before. During my visit to the XXXX store I told the Representative to make my payment date for the XXXX, like the previous store. The Representative said ok no problem. Well they didn't do as asked Apparently. So on XX/XX/XXXX my daughter gets a text message and I get a email stating the payment was coming out of my account on XX/XX/2021. I also specifically ask to have a 6 month term as the Representative said they could do. I called to find out why they were requesting my payment on the XXXX that it was due on the XXXX. The man that represented himself as the Store manager his name is XXXX. He stated he could not change the due date, and he wanted my bank statement to prove when I got paid my Social Security and Pension payment from my deceased husband that I receive monthly. My daughter was listening and said mom they are asking for that information because they are trying to make you sign a new contract. If my daughter wasn't there and works as a Loan Specialist for a very large financial institution, I would have done it, which in turn would start my loan all over again, which means I pay alot more in interest. This company has you express sign electronically in front of them off your phone. It has you check off on boxes for consent. They don't go over all the information with you to make sure everything in correct like loan term, payment date, interest rate etc. So here I am thinking and trusting in there practices. Boy was I wrong. The store manager as he called himself absolutely refused to change my payment date and tried to get me to sign another express loan agreement. He was rude, very unprofessional. Im a XXXX year old women and was told by XXXX to stop cussing. I was applauded. I don't use curse words and when I asked what he was talking about, he stated back to me well you almost did. Wow unbelievable. This company is taking advantage of the elderly by trying to get them to sign new contacts to increase their paybacks in interest. And abusing the elderly/ myself with accusations. Again if my daughter wasn't listening to what was going on over the phone they would have got me. I just was trying to get corrected their mistakes on my payment date. And they put me on a 7 month contact, instead of a 6 month as they stated they could due, and agreed too. I hope by writing this complaint to the CFBP they will change how they conduct business and treat people in general, and that they will make my contact a 6 month original term and the payment date of the XXXX each month. I was always paid my loans on time, paid them off be for they came to term, etc. Please help me resolve this situation. 
Best Regards, XXXX
Consumer complaint received 2022-05-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I am XXXX XXXX submitting this complaint against Transunion and there is no third party involved. Transunion is reporting inaccurate items on my credit file and I am attaching exhibits showing the inaccuracies for you to open.
Consumer complaint received 2021-03-31
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SUNCOAST CREDIT UNION (FL)

they violated my rights pursuant to 1692 ( D ) ( 1 ) any bad debt furnished on my report is ruining my reputation and a defamation to my character they also violated my rights to privacy pursuant to 1681 ( a ) ( 4 )
Consumer complaint received 2021-03-31
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)

I am very upset with this issue. I sent a letter to the credit bureau on XX/XX/2021 regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have XXXX  days to reply back and they have not. I know that failure to respond is grounds for immediate removal.
Consumer complaint received 2021-02-11
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (AR)

I have contacted all three credit bureaus multiple times about an issue where someone else 's name comes up when trying to run my credit. Every time I have called they tell me to send in the same information ( copies of drivers license, social security card, and W2 ). When I send in the information that is asked for nothing happens. I wait the 60 days they say it can take and hear nothing back.
Consumer complaint received 2022-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Account Name : XXXX XXXX XXXX, Account Name : XXXX XXXX XXXXXXXX, Account Name : XXXX # XXXX, Account Name : XXXX XXXX # XXXX XXXX Account Name : XXXX XXXX # XXXX XXXX Account Name : XXXX # XXXX, Account Name : XXXX XXXX  XXXX, Account Name : XXXX XXXX XXXXXXXX, Account Name : XXXX XXXX # XXXX, Account Name : XXXX # XXXX, Account Name : XXXX XXXX # XXXX, Account Name : XXXXXXXX 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer reporting containing any of the following items of information any other adverse item of information, other than records of convictions of crime 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 2021-02-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (TX)

US Bank has repeatedly been sending us erroneous statements, far too early in the month for our on-time payments to be recognized, with threats about late fees being due and the amount being due being doubled, simply because they printed and mailed the statement less th an two days after the previous payment 's due date. This is moronic and likely intentional, to see just who sends them more money, believing that US Bank never received the previous, on-time payment. We have called US Bank about this *and* we even previously filed a CFPB complaint, # XXXX, about this topic. They finally agreed to generate our statements on the XXXX of the month instead of the XXXX, so that this issue would not recur. They did this for just ONE statement, before now reverting back to sending the statements on the 3rd again, with the same issue - a past due balance, double our monthly payment, ignoring our previous payment, with late fees rolled in! 

Best case scenario, US Bank continues to show their flagrant ineptitude and incompetence in mortgage servicing by not being able to stick to their own commitments in generating accurate statements. Worst case scenario, US Bank is both lying to us *and* the CFPB, which should be a federal offense. 

I encourage the CFPB to review our previous case, XXXX, see that US Bank agreed to move our statement date, and then take appropriate action as it is abundantly clear that US Bank merely says one thing to placate the CFPB and the consumer, and then immediately goes back on their word. This should result in prosecution of the respondent to our previous complaint.
Consumer complaint received 2020-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (AL)

On XX/XX/2020 I first spoke to a XXXX XXXX agent. They were unable to verify credit reference due to security alert. I was transferred directly to Experian. Please acknowledge this - I have been two months trying to reach a person by phone at all the credit bureaus. Today it took almost an hour to finally get a person to talk to. I have also made many effort to use the online services and I get - no such account, you may have an account - over and over until I am locked out and not do any more. Today after talking the smart A -- who took my information, in order to  verify my identification finally asked me the XXXX $? which I could not do because I have never been able to get into my account and the time has lapsed so long that I have forgotten the darn answer. Therefore, now I have to prove my identity by providing documentation. I was given the web site to use and guess what, I was locked out and every document that I took hours to put together, copying, scanning and uploading has now been erased and my next option is to mail everything in. I tried to call, the hours for today, close at XXXX. I call @ XXXX and sorry we are closed. What's with these people. Enough is enough!!!!! This is MY LIFE and MY CREDIT, they do not own me and I want my information, a score without paying and the security alert lifted so I can move on. Thank you
Consumer complaint received 2022-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX
Consumer complaint received 2020-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I recently reviewed my credit report and found a collections account and multiple inquiries that do not belong to me. I have reached out to the companies involved and am not getting any sort of response. I've had enough patience waiting for them to fix the problem.
Consumer complaint received 2021-10-06
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. (TX)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2021-11-29
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: CAPITAL ONE FINANCIAL CORPORATION (AZ)

Capitol One XXXX opened XXXX XXXX late payments from XXXX Want to have them removed please. It has been 5yrs, payment history is exceptional now. 

Capitol One Quicksilver-opened XXXX XXXX late payments, it has been 5yrs, would like removed.payment history is exceptional now. 

XXXX XXXX-Opened XXXX XXXX late payments. payment history is exceptional now. 

XXXX XXXX XXXX XXXX-Paid in full, still shows on Report, need removed. 
I dont have amounts..to long ago XXXX XXXX XXXX