davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-31
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 (IN)

I checked my report and it there came to be 14 hard inquiries on my report that I did not authorized or give permission for. I tried contacted these companies and couldn't get a respond. these companies are : capital one auto fin XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-30
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: Consolidated Information Services Solutions, LLC (NC)

" I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX XXXX breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
"
Consumer complaint received 2022-05-18
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. (IL)

In accordance with the Fair Credit Reporting Act displaying the address, XXXX XXXX Ct XXXX, IL XXXX and XXXX XXXX XXXX XXXX, IL 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.
Consumer complaint received 2022-06-17
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. (NC)

In accordance with the Fair Credit Reporting Act,XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX, NC 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
Consumer complaint received 2022-05-18
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Bridgecrest Acceptance Corporation (MS)

On XX/XX/2022, I called Bridgecrest to let them know that I was going to trade in my vehicle and needed a XXXX payoff amount. ( The car note due date was on the XXXX ). 

On XX/XX/2022, while at the dealership, the salesman asked me to call Bridgecrest again to verify the payoff amount. 

On XX/XX/2022, I purchased a new vehicle and traded in the vehicle that was financed by Bridgecrest. 

On XX/XX/2022, Bridgecrest called me twice stating that they had not received payment on my car loan. I informed them that the car was traded in and that they should have received the payoff check from the car dealership. 

Bridgecrest continued to send me text messages and voice messages regarding a loan payment on the car it had financed. 

On XX/XX/2022, I contacted someone at the dealership to see if they had sent the payoff check to Bridgecrest. She told me that they had. She and I got on a three-way call with a XXXX at Bridgecrest. The rep at the dealership gave the rep at Bridgecrest the date that the check had been sent to the lockbox ( a day or two after purchase ) and she verified the lockbox address. No one had been there to receive the check. 

Bridgecrest reported a late payment to the credit bureaus. 

I contacted Bridgecrest to get the late payment removed, because it was not my fault that they did not receive payment on the vehicle, when it was clearly sent in due time. 

Bridgecrest refused to remove the late payment.
Consumer complaint received 2022-06-17
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

Based on a factual dispute directly with XXXX XXXX, this account is reporting a XXXX day late in XX/XX/2021 when they just verified that the account was late in XX/XX/2021. Within the FCRA guidelines all account information must be reported accurately or it must be removed from the credit report
Consumer complaint received 2022-05-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (OH)

Nelnet is saying my account is past due. XXXX they are servicing two of my loans ( groups of loans ). On one of them, they haven't sent me a statement since XXXX. When I call them they tell me that the sent a statement over the weekend ( XX/XX/14 ) but the payment was due on the XXXX. They offer forbearance, but I want to make my payments. This is the second time they just stopped sending statements and I had to call. I believe that they intentionally induce late payments by not mailing statements ; they try to force you into online accounts and e-payments. They are not helpful. Customer service is terrible.
Consumer complaint received 2022-06-17
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (OR)

Fair Collection and Outsourcing Inc. reported a false rental debt to credit bureaus in violation of Reg. F, 12 C.F.R. 1006.30 ( a ) ( 1 ).

The debt was never verified and stems from a landlord tenant dispute without a valid court judgement.
Consumer complaint received 2023-01-06
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. (AR)

This is XXXX XXXX and I am submitting this CFPB Complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA XXXX XXXX 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. Here is the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX. 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 the identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-05-30
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: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Someone tried to get a credit card in my name that i didnt apply for and is showing up in my hard inquiries. XXXX XXXX on XXXX XXXX, 2021. Also another one from Bank of America in 2021.
Consumer complaint received 2022-05-16
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. (IL)

I received a copy of my credit report and found many inaccuracies. XXXX XXXX has violated my right to an accurate report, due to the many inaccurate dates of payment status. it is reflecting late 120 days on XXXX, 150 days late on XXXX and XXXX on XXXX. Three dates of last payment XX/XX/XXXX XXXX XX/XX/XXXX XXXX and XX/XX/XXXX XXXX. This is a violation o 1681e b whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assume maximum possible accuracy of information concerning information about whom the person relates. 1681c ( c ) 4 accounts placed for collection or charged to profit and loss antedate the report by no more than seven years. It will be impossible to get a valid antedation date with so many different dates being reported. 15 U.S ( 1 ) duty of furnisher to provide accurate information. I demand that this account be deleted. I understand that under 15 U.S.C you must complete this within 30 days of receipt
Consumer complaint received 2022-05-18
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. (OH)

We used a local mortgage company to pre-qualify for our home. Experian apparently shared our information with various lenders. I have been receiving non-stop, unsolicited calls for the last two days. I also received the following text. " Hi this is XXXX from XXXX XXXX wholesale division. I know I caught you at a bad time. Experian contacted us letting us know that your credit score is XXXX and you qualify for wholesale pricing on the mortgage. I can send you numbers here and will not bother you during the work day. Let me know if you were looking to take cash out or purchase a new home. Thank you. '' I did not authorize Experian to share my information with anybody. What I do should not be made publicly available or sold to any third parties. This is ridiculous. 

I tried calling Experian. Their IVR would not put me through to a person to enable me to resolve it directly with them.
Consumer complaint received 2022-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TN)

Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX, Equifax and XXXX Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
XXXX XXXX XXXX Balance : {$5600.00} XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$62.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$2800.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX {$2600.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$190.00} XXXX XXXX Balance : {$9200.00} XXXX XXXX Balance : {$2800.00}
Consumer complaint received 2022-05-16
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (CA)

On Thursday, XX/XX/12 at approximately XXXXXXXX XXXX, while I was at school in XXXX ( XXXX XXXX XXXX ) I received a notification from my bank ( Chime ) that {$340.00} had been debited from an ATM in XXXX XXXX, which is not my area nor somewhere I frequent at all. Upon receiving this message, I immediately checked my wallet to see if I had my Chime Debit card on me, which I did. I immediately called Chime to inform them there was fraud activity on my account. They told me they would block that debit card and send me a new one, but I could not actually dispute the charge until it no longer showed as pending. I continuously checked for pending to disappear next to the charge, which happened on Saturday morning, when I called and filed a dispute with Chime. On the same day, I got a response from Chime that they saw no error and were not going to return my money to me.
Consumer complaint received 2022-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I AM A NATURAL PERSON & CONSUMER FILING THIS COMPLAINT. 
DO NOT CLOSE THIS COMPLAINT STATING THIS IS NOT ME! 

The tradeline being reported has a derogatory rating which has caused me serious financial and emotional distress. This has caused defamation to my creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics. 

In order to rectify this situation and ensure my rights have not been violated in any way, I have sent multiple letters and complaints challenging the completeness, accuracy and integrity of the information XXXX XXXX XXXX is furnishing. 

ACCOUNT # -FULL ACCOUNT NUMBER NOT SHOWN ACCOUNT TYPE-ACCOUNT TYPE INACCURATE ACCOUNT STATUS- DATE OPENED-DATES DIFFER FROM TRANSUNION, XXXX & XXXX BALANCE- AMOUNT DUE AFTER ACCOUNT WAS CHAREOFF HIGH CREDITXXXX AMOUNT DIFFER FROM TRANSUNION, XXXX & XXXX LAST REPORTED- DATES DIFFER FROM TRANSUNION, XXXX & XXXX DATE LAST ACTIVE- DATES DIFFER FROM TRANSUNION, XXXX & XXXX DATE OF LAST PAYMENT-DATES DIFFER FROM TRANSUNION XXXX XXXX XXXX XXXX PAYMENT HISTORY- DIFFER FROM TRANSUNION, XXXX XXXX XXXX XXXX XXXX XXXX was required to notify me later than 5 days before furnishing the negative information to the consumer reporting agencies, in writing that such furnishing of information was going to take place. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A ). However, I never received documentation that XXXX XXXX XXXX complied with this requirement.
Consumer complaint received 2022-05-16
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: MONEY SOURCE, INC., THE (IL)

Due to a business closure in XX/XX/XXXX, my employment ended. Consequently, my XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX mortgage payments were delinquent. In XX/XX/XXXX, I was contacted by my lender, " The Money Source '' and I was asked if I was additionally impacted by the Covid19 virus and suggested I go on a forbearance plan. I was told that at the end of the forbearance agreement, my loan would be modified, and I would simply start making my payments again. With that understood, I agreed. At the end of the forbearance period, I was contacted once again and asked if I was able to start making my mortgage payments and I said yes. 

A month later, I was advised that the agreement was now denied, and it was necessary to submit a loan modification application for their approval. I was ready, willing and able to start making the necessary payments. I was misled into believing that the forebeance was to help my situation and now The Money Source has filed a foreclosure lawsuit. They Money Source did not fulfill its original agreement and now is caused unnecessary financial burden. I am in the process of applying for mortgage assistance through the Illinois XXXX XXXX XXXX, working through a certified XXXX  XXXX XXXX locally. I would respectfully request that the lender live to its original agreement. I'm a XXXX and a Veteran. Your valued assistance is appreciated.
Consumer complaint received 2022-05-05
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Crow Creek Sioux Tribe (FL)

Took a loan out for {$1000.00}. Made six payments of {$260.00}. Called today XXXX to pay the loan off and was told the pay off amount was {$1100.00} because of interest. What interest I'm paying off the principal. I fear they will continue to charge and try to bleed money out of me and others if not stopped.
Consumer complaint received 2022-05-05
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: FORD MOTOR CREDIT CO. (GA)

I received many calls from Ford Motor Credit Co for XXXX XXXX, who I am not, am not related to and have no knowledge of. I called the number they told me to in order to get off the list, the calls doubled. I called again yesterday, and I'm receiving more calls today.
Consumer complaint received 2022-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (FL)

XXXX is the company consolidating all student loans on my CREDIT REPORT. To date XXXX is no longer the company consolidating my student loan debt. I have never owed any payments neither been late on paying as my account has always been in a differed payment status. XXXX reports a late payment on my account which is not accurate whatsoever. In addition, XXXX now claims to have no administration over my student loan accounts. They have transferred my student loan account to another company. XXXX has done so without having provided any proper/legal notices of this transferred/changed account status. XXXX is continuing to report on my credit as the administrator managing my accounts which violates the FCRA rules of truth and accuracy in reporting.
Consumer complaint received 2022-05-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (NY)

A reinstatement check was mailed to the Foreclosure Attorney in the amount of {$24000.00}. This dollar amount was good until XX/XX/2022. 

1. Received an e-mail from the Foreclosure Attorney on XX/XX/2022 stating the reinstatement check was received and it was mailed to the Servicer. 

2. On XX/XX/2022 a call was placed to the Servicer, spoke to XXXX XXXX ID XXXX XXXX. She confirmed receipt of the reinstatement check but it has not been posted to the account yet. 

3. On XX/XX/2022, a call was placed to the Servicer, spoke to XXXX - ID - XXXX. After waiting on hold of 1 hour and 5 minutes, XXXX said we were not authorized on the account, she is in the foreclosure department, we are only authorized in Loss Mitigation. 

4. On XX/XX/2022, a call was placed to the Servicer, spoke to XXXX - ID - XXXX, Loss Mitigation Department. After 1 hour on hold, she said we are not authorized. 

5. On XX/XX/2022, a call was placed to the Servicer, spoke to XXXX XXXX ID XXXX XXXX, she is in the Foreclosure department. The reinstatement check still has not been posted to the loan. She said it can take up to 20 days. She advised that the client 's first contractual payment of {$1300.00} is due XX/XX/2022 and it must be mailed in. 

6. On XX/XX/2022, a call was placed to the Servicer, spoke to XXXX, she had to transfer me to the Foreclosure department, waited on hold for 45 minutes, got disconnected. 

7. On XX/XX/2022, a call was placed to the Servicer, spoke to XXXX in the Loss Mitigation Department. She confirmed the payment of {$1300.00} was received on XX/XX/2022 but applied to XX/XX/2022 payment. She then transferred me to the foreclosure department. Spoke to XXXX - ID - XXXX. I explained that the payment of {$1300.00} should go towards XXXX 's payment. She said she did not see any payment being made and she can't see any notes from Loss Mitigation. She went on to say Loss Mitigation does not see Foreclosure notes and visa versa. She said it was up to the client to settle this issue. THE PAYMENT OF {$1300.00} MUST BE APPLIED TO XX/XX/2022. THE BORROWER WAS FOLLOWING INSTRUCTIONS FROM LOSS MITIGATION AND FORECLOSURE AND THIS ISSUE MUST BE RESOLVED IMMEDIATELY. THIS IS SERVICER ABUSE.
Consumer complaint received 2022-05-16
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. (KS)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX has violated my rights Account name : XXXX XXXX XXXX XXXX XXXX Subject : XXXX XXXX XXXX XXXX XXXX  Dear Experian 15 USC 1681 Section 602 States I have a 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.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.