davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-29
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ZINC Financial, Inc., (CA)

XX/XX/XXXX i purchased a vehicle from XXXX & XXXX XXXX financed through Zinc auto finance. i have had nothing but problems with the vehicle from day XXXX and have spent the last year making payments on a vehicle that I have been unable to drive. 
around XX/XX/XXXX i contacted the finance company to explain the situation that i have been making payments non a vehicle that i have been unable to dive and requested to have the loan applied to another vehicle. the company stated that they would not help me in anyway. XX/XX/XXXX I contacted Zinc to have them pick up the vehicle. I explained to them that I was unable to continue making monthly payments for a vehicle that I am and have been unable to drive for an entire year. the representative stated that they will report this as a repo to the credit agencies & asked if i will be making payments once they sell my vehicle
Consumer complaint received 2022-11-29
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. (NY)

THESE INQUIRIES WAS NOT AUTHORIZED BY ME. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-10-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc. (TX)

XX/XX/2019 {$1300.00} Natlcrys - XXXX XXXX  XXXX XXXX XXXX Trying to get me to pay something I am not in debt too. They are basically saying I have debt with them. They reported me to collections and now my credit score dropped.
Consumer complaint received 2020-10-05
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. (VA)

This account was open fraudulently under my name. I have tried to call this company several times to report this is fraudulent account and hangs up constantly. Finally got somebody on the line and they won't help me.
Consumer complaint received 2022-07-11
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. (GA)

in accordance with the Fair Credit Act XXXX XXXX XXXX XXXX XXXX # XXXX has violated my rights. 

XXXX XXXX XXXX Account number XXXXXXXX XXXX XXXX / original creditor XXXX XXXX Account number XXXX I also have old addresses that is not removed. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX There is a name XXXX XXXX that is clearly not 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.
Consumer complaint received 2022-07-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (UT)

I'm an XXXX citizen having just retired from work in the USA. I'm currently on vacation in the US before I'll be returning back to live in XXXX. I wish to transfer my retirement savings back to my XXXX bank account using an International Foreign Currency broker ; XXXX XXXX XXXX XXXX. I've transferred funds on many occasions using XXXX XXXX XXXX XXXX without concern. The process requires me to lock in at a contract exchange rate and wire the funds through XXXX XXXX XXXX central bank account where they then deposit the funds in my XXXX bank account at the agreed XXXX dollar amount. 

On XX/XX/XXXX, I went to the Chase bank to request a wire transfer from my Chase account to my XXXX account using the services of XXXX XXXX XXXX XXXX. On this occasion, after completing and providing all the necessary requirements the bank confirmed that the wire transfer will proceed. Approximately 30 minutes after leaving the bank I received an email from the bank that the wire transfer would be cancelled. I rang the number on the email and returned back to the bank to resolve the issue. After much communication, the banks only reason for not processing the requested wire transfer is that the 'back office ' will not process the request due to 'security reasons '. 

I am at a complete loss as to what the security risk would be, and Chase bank will not provide any further reasoning. After communicating with XXXX XXXX XXXX XXXX they advised that there is no other method of securing the foreign currency exchange other than wire transfer. 

Your assistance in having this issue resolved would be greatly appreciated.
Consumer complaint received 2020-04-21
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. (GA)

Hello and humbly thank you for your support and or assistance. It means a lot to have you working during this crazy time in our country. I'm a little emotional as I type this complaint because I do not complain about anything. Last year XXXX  I began to question the accuracy of the reporting on my credit report due to a bankruptcy listed on my public record. I followed a strict process to doing what the law requires as to validating this information. XX/XX/2019 I reached out to ask The United States Bankruptcy Court XXXX District of Georgia clerk office if they have anything to do with sharing information with the bureaus. They responded to me that they do not report anything to either XXXX, XXXX, or Experian. They do not report to any third party sources anything about the status of a persons public record pertaining to bankruptcy 's ; however, XXXX  XXXX  as well as Experian have all stated that their reporting is accurate. The challenge is XXXX  is spelling my name 100 % incorrect on my report and I have addressed this with them before. I have all of the certified letter receipts from mailing them off. I must have mailed 30 letters of the same matter with little to no results. With that in mind it would be impossible for these companies to state they have verified this reporting as accurate when the clerks office can not and will not confirm or deny the claim as a first hand source. Its been almost a full year that they have been breaking the law ... I have requested time and time again sending them the proof of what the clerk office sent me to show them that it is impossible that they can use their 3rd party source as accurate. Also XXXX  matches my social with a name that isn't mine.
Consumer complaint received 2022-07-11
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. (PA)

In accordance with the Fair Credit Reporting act 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
Consumer complaint received 2021-12-08
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-12-08
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. (GA)

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 personal pieces of information were 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 incorrect personal pieces of information that are reporting on my Credit Reports and need to delete immediately : Wrong Name : XXXX XXXX XXXX XXXX Wrong Addresses : XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX
Consumer complaint received 2021-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

I submitted a letter to XXXX  regarding an inaccuracy on my credit report from XXXX XXXX XXXX  XXXX in the amount of {$6200.00} and informed then that this is not my account, please removed from my credit file. They have not responded to my letter or demand to comply letter and they have continued to damage my credit. I need this removed from my credit report ASAP! They keep putting the same delinquent account on my credit report every month bring it down each month. I need this removed immediately!
Consumer complaint received 2020-04-27
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: HUNTINGTON NATIONAL BANK, THE (MI)

The issued resulted with the Hunting National Bank during the period of XX/XX/2020 in relation to the final pay of the vehicle loan I had with the bank. 

1. The monthly not for the loan was {$270.00} which was always paid on time for the duration of the loan of 60-months. 
2. There were allowed by the bank upon two separate occasions during the XXXX periods ( 2 ), and accepted by me that the monthly notes would be delayed until the end of the loan ... with the appropriate interest charged at the time pf final pay. 
3. There was a remaining payoff of {$650.00} to be paid that would completely pay off the loan balance. This amount was agreed by the customer service agent to be paid ( in split ) amounts ; however, according to the agent there would need to be a late charge fee of {$35.00} applied which the agent agreed to be waived if both payments were made on time as agreed. 
4. The first payment was made on XXXX XXXX, 2020, the second was made on XXXX XXXX, 2020. Both had been made on time that should have commensurated the term of the loan including the additional interest charged for the extension. However, several days following the final payment to the loan I received an alert from my credit score that my score had changed by XXXX point ( negatively ). Upon inquiring, it was determined that the cause was due to a late payment to the Huntington Bank because of a late feed not paid. When I inquired to the bank as to why, I was apologetically told that the action should not have been reported and that the bank had no means of changing their reporting to the credit bureau and that I would need to file a formal complaint in order to get the matter corrected. Prior to this matter I had no negatives in my credit report from either of the three reporting bureaus. I am seeking to have this removed from my record an my formal score restored, Thank you for your consideration and assistance in getting this corrected. 

I Remain in Sincere Regards, XXXX XXXX XXXX email : XXXX The issue resulte
Consumer complaint received 2022-07-11
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2021-04-12
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: TMX Finance LLC (UT)

3 years ago i got a title loan from titlemax here in utah. After paying on faithfully for 2 years i refinanced the loan. After almost a year I noticed my balance always remained the same. i contacted the store manager and going over how much I had paid over the 3 years. I was offered a settlement and paid if off in full. That was over 6 months ago. I received a call today from their corporate office stating I owed {$4000.00} and they were going to reposes my vehicle. I was of course confused and then quickly agitated so I told the XXXX that " you can't reposes a vehicle I paid off and I have the title for ''. So he said he was going to call the local office. I hung up and I called the local office and was XXXX? Of course they were like yes your vehicle is paid via a settlement offer. So I called the regional office again just to be sure that the two were on the same page ... NOPE! Again I was asked why I was late and I still had a {$4000.00} balance due. I was now beyond XXXX off and asked why the same company did not have the documentation that had to go through corporate to be approved ( the settlement ). Again, she called the office a few minutes later claiming yes, it was paid off but she said it would have to be approved and updated by corporate. These morons are completely inept and try to get money from people who have paid their debt but using the " well we didn't know '' tactic. Your corporate, how the XXXX  you can you not know. This organization needs to be held accountable for fake collection practices and harassment of people who no longer even have accounts with them. this needs to STOP!!!!
Consumer complaint received 2022-07-11
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 — Their investigation did not fix an error on your report
Company: CREDIT ACCEPTANCE CORPORATION (NC)

The contract was executed & filed without my review from the dealership XXXX XXXX XXXX XXXX, XXXX, NC ) on XX/XX/XXXX. 
Credit Acceptance ( Furnisher ) contradicts the contract, stating XX/XX/XXXX, was the initial delinquency, XX/XX/XXXX is the actual XXXX delinquency date. 
Credit Acceptance stated my account was opened in XX/XX/XXXX, in contradiction my account was open XX/XX/XXXX, and XXXX payment was made XX/XX/XXXX. 
XX/XX/XXXX & XX/XX/XXXX, Credit Acceptance failed to report payment delinquency information on credit reporting payment history. 
Credit Acceptance is furnishing re-aged payment history reference " payment history legend. '' Credit Acceptance " Payment history '' does not show XX/XX/XXXX payment & XX/XX/XXXX delinquency. 
Per XXXX online credit file, Credit Acceptance is furnishing 120 days delinquent which is inaccurate and re-aged payment history. The account was delinquent since XX/XX/XXXX. I never made any additional payments. 
Referencing the 1st page attached, Credit Acceptance is redirecting me to address inaccurate information on my credit file to XXXX, in contradiction it the furnisher responsibility to forward accurate and complete information to the CRA 's under FAIR CREDIT REPORTING ACT / REGULATION V. Section 623 of the FCRA and Regulation V generally provide that a furnisher must not furnish inaccurate consumer information to a CRA, and that furnishers must investigate a consumer 's dispute that the furnished information is inaccurate or incomplete. For this reason, Credit Acceptance has deliberately violated REGULATION V. Section 623 of the FCRA and Regulation V & need to remove this item from my XXXX credit file similar to XXXX & XXXX who immediately removed this derogatory item from my credit file.
Consumer complaint received 2021-12-08
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAVALRY INVESTMENTS, LLC (FL)

I've been attempting to submit a dispute via the website and the phone but have not had any success. They make it extremely difficult. 

The debt collector is in violation of consumer rights under the FDCPA. I currently have federal charges against the debt collector. 

Please see attached exhibit.
Consumer complaint received 2022-07-11
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like i'm begin taken advantage of and begin ignored if my disputes. Section 611 ( a ). It its plainly stated that a failure to investigate those items within 30 days gives reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly I demand these accounts be deleted immediately or I will file litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2019-09-28
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. (FL)

I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX. I noticed that, unauthorized inquiries had been made. I first contacted these furnishers of the inquiries, with a few of them giving me the runaround, stating that they cant petition for them to be removed. I asked them multiple times to remove their inquiry from my credit profile. By law per the FCRA, you are required to verify through the physical verification of the original signed consumer document. I request that you initiate an investigation into the below inquiries on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiries and send me an updated copy of my credit report. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX If you find the inquiries referenced above to be valid thru physical verification, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. Thank you for your assistance in this matter.
Consumer complaint received 2022-12-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION (AL)

On XXXX of 2019 the truck I purchased thru credit acceptance stopped running.i had numerous engine problems before this, the car lot o purchased from suggested I tow it to authorized dealer for repairs. Once it was there credit acceptance sent a warranty rep. An he approved repairs. XXXX or XXXX days later he returns told service manager to stop repairs .Cause after market parts on it .I did not make any changes... I bought it as is ... .with warranty! Credit acceptance called said I must continue to pay for vehicle I replied yes I will I needed it fixed..they disagree to honor warranty. I couldn't pay for it... not working. Do repair shop sold it.neither credit acceptance not I have possession of said truck... it got sold.
Consumer complaint received 2019-09-27
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: AMERICAN HONDA FINANCE CORP (NY)

I am currently in a lease with XXXX, but I am falling behind on car payment. Trying to talk to them about this issue but it seems that they don't want to help. Despite of making 3 months of payment within one month, I was charged with some repossession fee for no reason. Wish they could make a deal and take the car back. The car itself is probably defected. Oil smells like gas and experienced transmission problem at about 9000 miles