davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MO)

I completed an application for XXXX loan in XXXX XXXX. XXXX offers loans to federal/government employees to assist when needed. Loan # XXXX, was scheduled with the payroll allotment of $ XXXXbiweekly automatically deducted from my check starting XX/XX/XXXX. The agent listed on my application at the time is XXXX XXXX. 

I have worked with my employer since XXXX, however didnt become perm until XX/XX/XXXX during a shutdown. Per my loan app, loan amount : {$3500.00}, w/ XXXX pymnts including finance charges total {$5200.00}. 

I like XXXX overall, the customer service is attentive, my account information looks accurate whenever I log into their website. However, when Im checking Experian, XXXX  or XXXX  the information doesnt match. They have different information reported. While my balance is being reported that its only decreasing {$20.00} sporatically. 

In the attachment, I am eligible for refinance. I have paid the majority of the loan back already, therefore I do not owe a balance of anywhere near {$3000.00}. I have missed pymnts due to shutdowns & layoffs. Still the information is not correct. 

XXXX : Reported amt {$3300.00} w/ a balance of {$3500.00}, Monthly pymnt : {$150.00}, Opened : XXXX, Term : 67 months XXXX : Reported amt {$3400.00} w/a balance of {$3500.00}, Monthly pymnt : {$150.00}, Opened : XXXX, Term : 67 months Experian : Reported amt NONE LISTEDw/ a balance of {$3000.00}, Monthly pymnt : NONE LISTED, Opened : XXXX, Term : 54 months
Consumer complaint received 2021-03-16
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NC)

I have been trying to work with Experian on removing a collection that should not even be on my credit. I had identity theft back in 2016, I filed a police report & I even called the credit bye to to freeze my credit. 
The collection went through anyways & seems to always pop back up when I dispute this matter on my own. 
I decided to give Experian a call to help me out. They filed the dispute. I also sent off my document which obtained the police report with all the information they needed. 
I received an email stating I sent a false document & that the information that is on the police report was not on the document. This was a legal document, with the police report & the case number. Obviously Experian just wanted to move along to another case & not look into my case because if this company did they would have removed this & also would have known that this in fact was a real document. I do not appreciate that I was threatened with criminal penalties, & I do not appreciate I was called a liar buy this company. 
I would like to take further action since no one is giving me any information other than a fry were looking into it the same way they would like all of my personal information after what Ive been through, I would like a little more from them!
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: LEXISNEXIS (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.

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 2024-10-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: GUARDIAN CAPITAL MANAGEMENT HAWAII, LLC (TX)

I'm alerting you to an issue with my credit file. There's a collection entry from your agency that I wasn't informed about before. I strongly question the accuracy of this claimed debt. Under the Fair Debt Collection Practices Act, I'm entitled to debt validation. Please provide this validation and address this issue.
Consumer complaint received 2024-10-10
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: CAPITAL ONE FINANCIAL CORPORATION (MN)

I have a XXXX, and my car have been broken into four times where I had to pay {$500.00} deductible to get it fixed not to mention I can not find a cheap insurance on that car. I pay {$410.00} a month for insurance along with a {$420.00} car payment. That car is causing me too much money out of my social security income. I have very little money to live on after rent and that car. I am giving it up because I can no longer afford it. 

I turned XXXX XXXX XXXX in XXXX and this stress is causing me XXXX  problems and getting rid of that high-risk car will relieve some stress off me. I talked to Capitol One several times about how much that car is costing me per month, but they were not willing to make any arrangements with me. All they were interested in was getting their car payment every month. 

On XX/XX/year>, they finally made arrangements for them to pick the car up, but they made sure they informed me that if any repairs had to pay for them. Well, last time they broke into my car they tried to saw the driver side latch off and I didn't pay another {$500.00} deductible to get it fix so that is hanging of now and you can't use that door to get into the car. They also said I will have to pay any other fees that are left on it. 

I feel I have paid for that car with the money and insurance I have already paid. The mentally stress that Capital One has caused me at XXXX XXXX XXXX I don't need that anymore beside I do n't drive anymore, my son had to keep that car in his garage to protect it from thief..
Consumer complaint received 2023-04-05
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. (NY)

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 # 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 2021-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

Experian is falsely reported that I have two delinquent accounts, which were never mine. 
One account is through XXXX XXXX XXXX XXXX XXXX is the debt collector reporting it. 
I just noticed when running my full credit report, that Experian is listing the following address as a past address for me. 
XXXX XXXX XXXX. XXXX XXXX XXXX, MI XXXX I have NEVER lived in the state of Michigan. 
I have lived at the following address since XXXX of 2012. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX I tried to delete this address through Experian online dispute, they will not delete b/c they say this is linked to the delinquent account XXXX XXXX. I have NEVER lived at this address, how can I rectify that I have never had these two delinquent accounts?????? 
I can prove that I have resided at this address since XX/XX/XXXX. 
I have also tried contacting XXXX XXXX XXXX directly and they have no record of my accounts under my name and address ( XXXX XXXX XXXX XXXX, CA ) ... .so they keep telling me they can do nothing b/c they have no record of me having these accounts. 

Experian has not resolved any of these issues correctly, they have not researched into my inquiries and disputes at all. 
I have NEVER lived in Michigan ... .I should be able to delete this, thus correct the XXXX XXXX error from XXXX XXXX  XXXX XXXX this is not my address.
Consumer complaint received 2021-02-23
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)

I already try to fix this issue and I dont know wich part its not doing their job, I have on my credit report a account XXXX XXXX that was open on XX/XX/XXXX and closed on XX/XX/XXXX with XXXX balance with like 6 months late payments history that are NOT correct, it's the other way I always try to put extra money on monthly payment. I open a dispute with EXPERIAN and they closed the dispute with out investigating and updating this wrong information, I have my bank statements that I send to XXXX and EXPERIAN, when I called XXXX I spoked with Supervisor named XXXX XXXX I explain to him and show him my bank statements and he was sorry about it and he agreed with me to totally remove this account from my credit report, Im working into get my mortgage loan and this its affecting a lot, Im requesting EXPERIAN to investigate this issue and update payment history or removed this account from my report as soon as posible because I already wait for so long.
Consumer complaint received 2024-10-10
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (FL)

They trying to collect for invitations home on a lease that my husband whos passed away do to XXXX XX/XX/year> the lease was not on my name it was under my husband we moved because they wanted to increase the rent and we couldnt afforded anymore, they kept security deposit and and top of this trying to collect for normal wear interior we stayed in that property for 2 years he never received any notification or opportunity to do any repairs before work was done they just go ahead and did it and later on reported to the credit bureau witch I have disputed a few time and nothing has been done. I dont know what else to do. Please help.
Consumer complaint received 2023-04-05
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (VT)

Randomly the Mortgage serving company changed my mortgage of 16 years. Now my principal portion is at {$140.00} down from {$460.00}. After many attempts to find out why I am asking for help from CF. The mortgage company is firm that the mortgage was modified and reset with high interest. 
I did not request a modification. I came out of forbearance in 2021 completely up to date and never expected a year later to see my principal payments be so LOW. 
All the servicer states/ insists is that the change is a result of a modification but I never agreed to a modification, only the forbearance program offered during the pandemic emergency.
Consumer complaint received 2023-03-17
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: Bread Financial Holdings, Inc. (CA)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. 
XXXX XXXXXXXX Date Opened XX/XX/XXXX  Balance : {$700.00}.
Consumer complaint received 2024-10-10
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CREDIT ACCEPTANCE CORPORATION (CT)

To whom this XXXX concern, I financed a 2018 XXXX XXXX XXXX XXXX, and it's been a nightmare. First getting it registered took me XXXX weeks because XXXX XXXX in Ohio, were I purchased the truck sent the duplicate title to the wrong address. After having the truck on XXXX XXXX for not even XXXX weeks the transmission started slipping, it wouldn't even shift properly, so I had to bring it to a local XXXX where it's been for over XXXX  months. 

After XXXX months of waiting for the diagnostics on the truck I received confirmation yesterday that the truck needs a new transmission. The technicians at our local XXXX said they don't even know how we even made it to Connecticut from West Virginia without the transmission failing. They also told me that transmissions are on back order and we could be looking at a year until they receive it. I am beside myself as my XXXX XXXX ended last week and I have to sign another XXXX year lease agreement asap if another vehicle isn't put inplace while I wait for my teuck to be fixed. The technicians at XXXX stated they will write a full disclosure on the trucks status and that I indeed purchased a lemon. XXXX XXXX sold me a truck with a bad transmission. I'm prepared to do whatever I have to to get my money back, considering my truck is on a recall for failed transmissions. I'm out over $ XXXX, nevermind the {$4500.00} I've spent on insurance since XXXX, along with the mental anguish and stress this has caused me. My lawyer said even though I didn't buy the truck brand new I can still make a claim for truck recalls, liability, failure to disclose a failed transmission. This is insane. 

We never got to enjoy the truck at all. I could never do this to someone. Regardless of the lemon law I'm prepared to take action. This is unfair. I want a full refund Or I need a rental asap, which I've already been told my warranty doesn't cover a rental? How? 

I bought the extended warranty the day of purchase, which should allow me to get a rental until the truck is fixed, but I'm not getting anywhere with XXXX Truck ( place of purchase ) XXXX Customer Service, Moper Parts, or the warranty company. 

My truck has been in the shop for over XXXX  months with no updates on my parts that were ordered XXXX  months ago, and expedited almost XXXX  months ago. 
My truck dealership information is XXXX XXXX @ XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, CT XXXX I can't even get an XXXX on my parts. 
ORDER # XXXX PART # XXXX Not a happy XXXX customer at all, my phone number is below, XXXX XXXX XXXX XXXX
Consumer complaint received 2021-02-23
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)

I have reached out to Experian via certified mail twice to dispute collections accounts on my credit report. The first letter was a follow suit letter considering the fact the two accounts in question was deleted from XXXX  and it is my understanding that collection agencies, furnishers, etc.. reports the same information across all three credit bureaus. I asked for documentation to be sent to me via mail if those accounts are accurate on their end but instead I am receiving correspondence via email when I never supplied Experian with an email as a way to communicate with me in regards to disputes I submit via mail. The second letter I sent via certified mail was a method of verification letter since Experian claims the accounts are accurate and yet again they sent correspondence via email but no proof of how these accounts are being verified as requested by mail. I also have proof of receipt of the certified letters and will be more than happy to provide them. Experian is also in violation of the Fair Credit Reporting Act. As a consumer, I have the right to ask for proof of verification on anything I dispute from my credit report that they say is accurate. This is also my second time filing a complaint since my first complaint stated that Experian did not recognize me as a customer per ID # XXXX.
Consumer complaint received 2023-05-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc. (MI)

I opened an account with Cash App in XXXX. This account was linked to my cell phone number at the time. I had my paychecks with my employer set up for direct deposit into this account. Sometime after leaving my job in late XXXX, this cell phone was damaged beyond repair. The old phone number is no longer in use. 

In XXXX, I rehired with this employer. I set up a new account with Cash App. Before I could give that information to my employer, my first paycheck went into my old account. 

I have contacted Cash App customer service multiple times. The funds went through to my old account as my employer did not receive a notice of returned funds. I was told by the Cash App Rep that they tried to transfer the funds from the old account to my new one, but they were unsuccessful. I do not remember my password to my old account, and they tell me they can not reset it without sending a text to the old number, which is no longer in service. They told me on the first call that I would get a call from a Cash App Supervisor to further assist me, but that did not happen. I was told that again on a follow up call that I placed, and when I pressed to speak to someone now, the Customer Service Rep dismissed me and ended the call. 

At this point, I am seeking to withdraw my funds from my old account as quickly as possible.
Consumer complaint received 2021-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. I did not give XXXX XXXX written or any other consent to pull or review my credit. They broke the law according to. Trans Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 

Transunion by law was supposed to make sure that this alleged consumer transaction was legal based on Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 

They did not. 

I'm asking for this unauthorized inquiry be immediately removed from my credit.
Consumer complaint received 2022-09-17
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: CAPITAL ONE FINANCIAL CORPORATION (IL)

To Whom it may concern, 2nd Attempt According to my most recent credit report, your company is currently reporting to XXXX a major credit bureaus that I applied for credit with your organization. I did not grant you this authorization to review my credit report. I do not know if that would be considered fraud or error.

In accordance with Law 15 USC 168b : Permissible purpose of consumer reports include : employment, insurance, CREDIT, gov charge cards, child support, ext. COMPANY MUST prove they had your permission! 
The Fair Credit Report Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of the application authorizing the disclosure of credit files with my signature, I will accept the inquiry. ( I understand this may be done electronically but consent is still needed ) If a signed authorization can not be found please remove the inquiry from XXXX, a main credit bureau. 
The presence of this inquiry is adversely affecting my credit report and is impeding my ability to obtain necessary credit. Time is of the essence soI would greatly appreciate a response from you within thirty ( 30 ) days.

Please mail me the copy of the signed application or letter indicating your intention to delete the inquiry. 
Best Regards,
Consumer complaint received 2021-02-23
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (NJ)

I have been trying for over a year with SPS to get help on my mortgage with back payments. SPS took over my loan XX/XX/XXXX from XXXX XXXX as I just got a wonderful affordable modification I can afford well in the meantime the loans was transferred and everything was a FIASCO for several months as I called everyday, In XX/XX/XXXX I was laid off due to the COVID-19 Pandemic I CALLED SPS to advise them they put me in a forbearance program I also was asking for help with the back payments I know I have a good low APR of 2 % I was not asking for anything lower just help with getting back on track with my payments to bring my account current and I have been given the run around for a entire year please someone look into my account and phone logs. I was told I had to assume the loan which I knew nothing about, I filled out several papers OVER AND OVER just to be denied everytime. In the State of NJ I was advised the Mortgage companies could NOT ask for all back payments due to the pandemeic which technically was from XX/XX/XXXX until now as of XX/XX/XXXX ' I got a full time job so I definitely can pay my mortgage I am willing to pay a extra {$200.00} with my current mortgage, I was told my account is with a attorney in foreclosure I have done everything and submitted everything SPS has ever asked for to avoid foreclosure and pay my mortgage I can afford my {$1500.00} monthly payment I only need help with the back payments not seeking a lower APR I DON'T WANT TO LOSE my home I have nothing if I lose my home. I lost my husband in XXXX ' as a extra income was taken and I promise I will do all I have to to keep my home and SPS is not willing to work with me for a year now .I was never notified by SPS by law 15 days effective the transfer that was my right, I just want SPS to work with me on my back payments I am willing and can afford my mortgage I am begging for HELP as I have for over a year with SPS and it seems all they want to do is foreclose they haven't tried to work with me I was even told by a supervisor XXXX on XX/XX/XXXX ' to go get a personal loan cause SPS can't help me. I was distraught this is effecting my health, XXXX XXXX XXXX possible XXXX if I can't get my pressure under control due to this stress, PLEASE HELP ME KEEP MY HOME I lost my husband I don't wan to lose my HOME we worked hard to get for 15 years ago. I even got scammed by a company who said they can help me by working with you charging {$1300.00} for 3 months and nothing but a DENIAL FROM SPS I am at the end of my rope for help I am XXXX  what do I tell my son if we lose all we got left.