davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-21
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. (AL)

XXXX accordance with the Fair Credit Reporting Act XXXX Account # 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 instruction.
Consumer complaint received 2023-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (GA)

Since XXXX of XXXX I have been unable to place or remove a security freeze from Equifax credit report online or over the phone. I let them know about this issue in XXXX of XXXX and XXXX of XXXX with what turned out to be empty promises that they would correct the problem. 

As a consumer I have been unable to probably protect myself and my identity for more than 6 months due to the negligence exhibited by Equifax. They are in violation of Public Law 115-174
Consumer complaint received 2019-12-15
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: NISSAN MOTOR ACCEPTANCE COMPANY LLC (CA)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2022-04-05
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. (MD)

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA.

These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-07-03
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: ENOVA INTERNATIONAL, INC. (NC)

Per my contract extra payments can be made towards the principle, you must contact them to let them know that is what you're doing. I did that and I sent 2 payments in XXXX totaling {$450.00}. I did not have a Jue payment, my next payment was not until XXXX. Instead of putting all my money towards the principle, my payment was applied to XXXX 's payment which I did not ask for them to do because that meant some went to the interest. I called and inquired about it I was told that any payments would go to upcoming payments first but I had no payment due in XXXX. according to my contract, it does not state that unless there is a payment due which one was not for over a month. Then I was told it didn't go straight to the principal because it was not made on the actual due date of the original payments. Not only does that not make any sense it does not state in my contract that it has to made on the due date in order for it to go only to the principle. I told the person that called me I want all my money to g to the principle ad put my account back that I have still a payment due in XXXX instead of XXXX. I was told I would have to set up an automatic payment but that would still leave my balance over the actual amount it should be. Net credit states one thing in your contract and when you call they state something different. I told them I have a legal contract and nowhere in it does it state that when I call I will be walked through the process ( there's nothing to be walked through ) nor does it state in the contract that it will be applied to the next month 's payments, nor does it state that the extra payments have to be made on the contractual date in order for it to go to the principle only. My current balance should only be {$1000.00} which is the amount after I made the 2 additional payments. My next payment date should be XX/XX/XXXX NOT XX/XX/XXXX and none of my money should have gone towards the interest. I followed the instructions of the contract and informed them that the payment was coming and where I wanted it to go. If you pay only on their terms you will be paying back 3x the amount you actually borrowed. 

Also, net credit advertises no credit check but I have a hard inquiry on my credit report from them that I want to be removed.
Consumer complaint received 2021-05-21
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I contacted Bank of America in XXXX of 2021 to refinance two properties my primary home and a rental property. After encountering several issues with scheduling my appraisal with an appraiser for my rental property, BOA was forced to step in to have the appraiser schedule my appraisal. After encounter challenges upfront with the appraiser, I then received an appraisal that undervalued my property by over than XXXX dollars. From a review of his analysis and the pictures taken it was obvious to me that this was a deliberate attempt to impact the financial viability of my refinance. I drafted a memo outlining the inaccuracies in his appraisal as well as provided information to support a higher appraisal value. I then requested a re-evaluation of my appraisal outlining the following information for consideration : - Market Rents : Using the income approach based on my current rents the property is valued at XXXX higher than the BOA appraisal. I used the same methodology provided by the appriser and simply used the rents from my existing lease. This provided a estimated value of XXXX higher than the appraisal provided by BOA. Please note BOA 's underwriters also have a copy of my lease and tax returns to support the higher rents XXXX XXXX. The appraiser listed in his notes that the lower rents helped to justify the value of the unit. 

- Rennovations : The appraiser used properties that were not renovated as comparable properties. I provided a breakdown of the improvements and pictures to showcase the more than XXXX in improvements ( renovated bathrooms and kitchen, new hardwood floors, lighting and smart fixtures ). 

- Comparable Properties : Given the status of the market in XXXX in the XXXX neighborhood there is very little inventory on the market and most of the properties for sale are townhomes vs. condos. This makes it harder to find relevant comparable properties. On my appraisal the appraiser used comps that were located in the same building but are not strong comparables given the following differences 1 ) floor plans 2 ) improvements/ upgrades 3 ) unit features. 4 ) unit floor. All of which help to drive value for my unit which is located on the top floor and is a two-level ( spiral-up ) property versus the comps which were one level or spiral down which is less desirable. 

In addition to this information, I also provided the MLS information for a unit that matches my exact floor plan that sold at the recommended appraisal price two years ago. Since this unit was sold the market has just increased and there is no rational justification for why my unit would now sell for more than XXXX less as my property has been full renovated.
Consumer complaint received 2021-05-17
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: EQUIFAX, INC. (TX)

This is my 4th time submitting a dispute request via mail and via CFPB and nothing is being done here ... Please send me my disputes results via email immediately. 

At my demand request, if you are unable to respond in a timely manner and provide the above items, please remove the account ( s ) from my credit report to prevent further damage. If not verified, valid, or compliant, delete each account reporting in violation. 

XXXX XXXX- XXXX Not my account XXXX XXXX XXXXXXXX XXXX Not my account XXXX XXXX XXXX Not my account XXXX XXXX XXXX- XXXX Not my account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX Texas XXXX XXXX XX/XX/
Consumer complaint received 2021-07-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (AZ)

I created an account to monitor my credit and was surprised to see a collection from credit collection services which dropped my score significantly. This collection was paid in good faith with the understanding it was to be deleted from my credit profile with each bureau. I would like this collection deleted due to erroneous collection tactics.
Consumer complaint received 2021-10-16
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Consumer Portfolio Services, Inc. (GA)

My car loan was included in a bankruptcy that was dismissed on or around XX/XX/2021. Consumer Portfolio services contacted me that we to ask me what I planned to do. At that point, I had planned to refile bankruptcy however based on y calculations, I would be better off trying to pay off the loan. During the conversation with CPS, I requested an amount due however they were unable to provide that ( They called me to ask me what I planned to do-pay off or re-file ) yet could not provide a balance. I waited a couple of weeks to try and come up with some money to save the vehicle. I called CPS, asked for a Pay off however they said that the pay off/audit was not ready. I called the following day same thing. Finally, XXXX XXXX tells me I owed a little less than XXXX XXXX dollars. Since the bankruptcy case was dismissed I knew I no longer had protection so I asked him what would be the amount to bring the loan current. He stated XXXX dollars would bring the loan current. I asked him to send this to me in writing he claimed he would be emailing me but he never did. I paid this on XX/XX/2021 without an email because I am sure they would come after the car claiming I did not pay. I called back to inform them I paid and asked for a pay off the claimed they have to conduct another audit now that I made a payment ( they never completed a first audit ). At this point I am paying them money blindly as they have deactivated my ability to see any history on the account. In addition they have disabled my ability to use their CHAT option as I requested an audit through online chat. They responded saying I would get it in a few days and that never happened. I am trying to pay off the loan with an accurate amount due with no hidden fees or erroneous charges. I realize the lender will attempt to collect every dime they can but it I am asking for a pay off why am i receiving three different amounts. They reported XXXX to the credit bureau, when I call they automated line its says XXXX when I spoke with XXXX XXXX he said close to XXXX. I am not receiving any monthly statements so at this point I feel like they are giving me a run around to collect monies from me, bankruptcy and to come get the car which is now close to 9 years old. They are always in collection mode so even when you call to get a balance the tone you receive is " we want our money '' -not a problem but please correct your systems and provide accurate information. I have supporting documentation from this situation.
Consumer complaint received 2023-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2021-08-02
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: WELLS FARGO & COMPANY (FL)

I got a personal loan from Wellss Fargo XX/XX/XXXX XXXX. All payments made on time never late. On the third month of paying I added {$200.00}. To pay on principal. They took interest of of that {$200.00}. And applied the remainder to principal. Again they did that the following month and I contacted the XXXX and the bank applied it where they should. Again XXXX I paid another {$200.00}. Out of that {$200.00}. They took out {$190.00}. For interest and applied {$9.00}. To principal. Thinking they would apply it like they advertise. They claim to take care of their customers but they are stealing from me. Ive called on this and they tell me they changed the practice and I never agreed to something like this. I have a balance of {$13000.00} and they made it to where their advertising doesnt go along with their practice. I need this straightened out. Im on a fixed income and a budget to where we both can benefit if they were honest. Please help me out with something that not only my be me. All their customers most likely are going through the same thing. Thank you.
Consumer complaint received 2023-05-19
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: LEXISNEXIS (FL)

I have reviewed by credit report from XXXX dated XX/XX/XXXX, and discovered once again an inaccurate and incomplete record reporting on my file as " XXXX XXXX XXXX XXXX XXXXXXXX '' Reference # XXXX. In my dispute according to complaint # XXXX, I requested that XXXX provide me the " SOURCE '' of the information for this disputed inaccurate and incomplete bankruptcy record. XXXX has refused to provide this information which is intentional and reckless. According to the FCRA XXXX is required to provide me the source of information in accordance with 15 US 1681g ( a ) ( 2 ) which states " Every consumer reporting agency shall, upon request, and subject to section 1681h ( a ) ( 1 ) of this title, clearly and accurately disclose to the consumer '' ( 2 ) The sources of the information ; except that the sources of information acquired solely for use in preparing an investigative consumer report and actually used for no other purpose need not be disclosed : Provided, That in the event an action is brought under this subchapter, such sources shall be available to the plaintiff under appropriate discovery procedures in the court in which the action is brought. '' In dispute and case # XXXX ( attached ) XXXX admitted to not contacted the courts for this information and stated that he relies on " Public Record Vendors '' which is what is reporting on my credit report ( attached ). If this has changed, XXXX needs to " CLEARLY '' state it's source. I have also attached a disclosure from Lexis Nexis who has stated that they provide XXXX with public record information. My Lexis Nexis disclosure report does not include a bankruptcy, this has been provided to XXXX on numerous occasions. Additionally, Lexis Nexis is not authorized to share my data with XXXX or any other source with the exemption of Law Enforcement per my suppression request. It is illegal Lexis Nexis to report information that has been disputed and unable to be verified as accurate. It is also a violation of privacy if Lexis Nexis is sharing my personal data without my consent. I am requesting XXXX provide me the source of information and how it verified the completeness and accuracy of this record. I DO NOT accept the investigations completed on XX/XX/XXXX, XXXX or XX/XX/XXXX as they DO NOT address my dispute and request. If XXXX can not do so within 30 days of this dispute, it must delete this record from my credit report.
Consumer complaint received 2021-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

I am a XXXX  XXXX. I have changed my name with all of my creditors and with every single government agency. I have petitioned every Credit reporting agency to change my name. Credit reporting agencies are still reporting under my old name, or have split my account information between two different names, but with the same social security number. This is unacceptable to me. It is hurting my ability to get credit.
Consumer complaint received 2021-10-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BMO Bank, N.A. (WI)

The evening of XX/XX/2021 I used a XXXX XXXX ATM to deposit cash I had taken out to buy a lawn mower private party, but the deal fell apart. Anyway I withdrew {$5000.00} that day and because I didnt buy the lawn mower I wanted to put the money back in my account as soon as possible. The ATM was # XXXX the time on the ATM receipt is XXXX. ATM location XXXX XXXX XXXX, XXXX WI. Ive used this ATM before because its less than a mile from my house and Ive used it to deposit cash before and as many as 40 bills as the machine advertises it can handle. I counted 40 XXXX bills and proceeded to deposit them in the ATM the ATM began counting the bills and once it got to 9 it stopped and presented an error message stating it would basically be not returning my deposit and that I should contact my financial institution for support. A little after this message presented itself on the screen the ATM printed a receipt and gave me my card back. For the next 4-5 minutes I sat there stunned listening to the ATM gears turning inside the machine and the ATM was unusable. Eventually the ATM became usable again so I decided to deposit the remaining {$1000.00}. This would allow me to check if my {$4000.00} was stuck in the deposit slot as well as confirm I deposited 40 XXXX bills and not 38 or 39. The second deposit went through without issues. This confirms I counted correctly and proves the first deposit had 40 bills. I have contacted BMO Harris bank and do have an open investigation with them, but this is ridiculous and I cant believe this can happen. If this happens to more people I want it documented.
Consumer complaint received 2021-05-17
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: Experian Information Solutions Inc. (TX)

This is my 4th time submitting a dispute request via mail and via CFPB and nothing is being done here ... Please send me my disputes results via email immediately. 

At my demand request, if you are unable to respond in a timely manner and provide the above items, please remove the account ( s ) from my credit report to prevent further damage. If not verified, valid, or compliant, delete each account reporting in violation. 

XXXX XXXX- XXXX Not my account XXXX XXXX XXXX XXXX Not my account XXXX XXXX XXXX Not my account XXXX XXXX XXXX- XXXX Not my account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX Texas XXXX XXXX XX/XX/1988
Consumer complaint received 2022-12-11
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (CA)

I have received a Visa gift card for {$200.00} from my friend which was purchased from a XXXX store on XX/XX/XXXX XXXX when I tried to use the gift card, the balance was XXXX XXXX Up on looking into the history of the transactions, the card was used by someone else on XX/XX/2022 at " XXXX XXXX XXXX ''. There were no visible signs that gift card was opened before. it was sealed when I opened the card. This is definitely part of a bigger scam where they know the card numbers and they were able to use it once the card was purchased. I've opened a dispute with the company Incomm Payments ( XXXX XXXX XXXX ) on XX/XX/2022 and the dispute got declined on XX/XX/2022 without providing any details. I've asked for reason for declining but couldn't get any details. Company should be able to verify how many times this card was checked for balance on their website, dates and IP addresses. they could easily find if a card was checked for balance before the activation date or not. 

companies are not doing enough to protect the consumers from unauthorized gift card transactions and scams.
Consumer complaint received 2023-04-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (IN)

This company is reporting information without my consent in which it states i owe such debt to this collection which is not in fact the original creditor this is false pretenses This company have violated my consumer right under 15 U.S. Code 1692j - Furnishing certain deceptive forms.
Consumer complaint received 2021-02-21
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: Bread Financial Holdings, Inc. (WA)

There is an unknown charge-off on my credit reports. Im requested the verification of the charge-off and the method of verification. COMENITY BANK/XXXX XXXX XXXX XXXX XXXX, 2019 ). For the first time no response came in 15 days company did not provide the following proof : Permissible Purpose. My written authorization.