davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

To Whom it May Concern : In XX/XX/XXXX I leased a vehicle through XXXX for a 3-year term. At the end of the term in XX/XX/XXXX, I returned the vehicle to the dealership located at XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. I received my paperwork that nothing further was owed. 

Several months later I received a letter from XXXX that my lease was up and to return the vehicle. I was surprised and VERY concerned, because the vehicle was returned by the lease end date. When I called XXXX, I was advised that ( to the best of my recollection ) an employee had committed fraud on the company and the vehicle was entered into the database as not returned. I was advised, again this was approximately XX/XX/XXXX, that the matter would be taken care of. 

Fast forward to just recently when I pulled my credit reports, and to my shock the XXXX account is still reporting as Open with a monthly payment of {$480.00}, and a {$5600.00} balance ( see attachment. ) It is also reporting derogatory as a chargeoff, and " Comments '' are misleading, at best. While one comment states " balance owing '', another comments states " ... ENTIRE PAYMENT SCHEDULE COMPLETED FOR TERMS OF AGREEMENT. '' The fact that this account is reporting as Open with a balance and high monthly payment is going directly to my Debt to Income. That coupled with the fact that it is also reporting derogatory as a Chargeoff is causing me to be denied credit and has cost me thousands over the years in high interest rates. I am demanding that XXXX take care of this matter IMMEDIATELY.
Consumer complaint received 2023-03-29
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Mitsubishi Motors North America, Inc. (ME)

I have been receiving threatening phone calls from XXXX XXXX to collect on a debt for a vehicle that was repossessed in XXXX. I was first told that the company was a law firm but when I spoke to someone at the return phone number they only refered to themselves as case managers. They have told me that they are sending someone to my house with a summons, that they will be suing me, that they are in the process of putting a lien on my current vehicle, they threatened my credit and my husbands who was not part of the original debt. Most recent calls were yesterday XX/XX/XXXX and today XX/XX/XXXX. Today 's message also stated that they " firm '' is ready to take legal action and they are having the information forwarded to me and without further notice stating the phone call was my notice. I told them that the debt is outside the statute of limitations and they told me that they still had the right to collect on the debt.
Consumer complaint received 2020-12-24
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Advertising — Confusing or misleading advertising about the card
Company: Neon Newco Corporation (NY)

Netspend is being used as a gift card but it is really ( on the fine print ) a debit card at XXXX for which you are now an account holder and they require your social security number to active a prepaid card given as a gift. This is not a gift card. It is predatory prepaid debit card that I received for the holidays and can not use in any way unless I provide a social security number as though I am opening a bank account with a bank I have never heard of. When calling customer service they redirect to a perpetual holding queue and never acknowledge the customer issue of wanting to use the funds given as gift card. They are illegally collecting personal protected information and selling it to the highest bidder. The person who bought this as a gift card had no idea that each transaction is charged with a fee which should not fall into the category of gift card use or any prepaid card use. I want action to be taken against them as they are conducting fraud and taking people 's money and personal information without permission.
Consumer complaint received 2021-06-30
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SOUTHWEST COLLECTION SERVICES INC. (CA)

I have received a response from my first complaint from southwest collections svc stating they have not contacted me since 2015. I have a saved voicemail from XXXX for the law offices of XXXX XXXX just left less than 60 days ago. There is a judgment but that judgment only last for 7 years. You are not legally allowed to damage my credit by pulling it under false reason of opening a new account which I have provided proof that you have done. Do not contact me since it is passed the legal statute of limitations or I will take further action. In regards to threatening jail or suing, this is what you threatened me with when we first went through the court process. My mom was there when you were being aggressive and unconcerned about what was happening. Stop pulling my credit stating its a new account which is a lie and is not permissible since the limitation to obtain the debt is passed its 7 years.
Consumer complaint received 2021-09-29
Product: Vehicle loan or lease — Lease
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (CA)

We were buying our leased car at the end of the lease and paying with a check. We were required to authorize the dealership to pull our credit report. This was totally unnecessary since we are not applying for a loan. In addition, they collected our income and mortgage payment information. We were not provided by a good reason why we need to provide this information. 

This happened at the XXXX dealership.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AL)

i was looking over my credit report and noticed unauthorized inquiries on my credit report. i did not give hand written consent for these items to be furnished on my credit report. 
Hard Inquiries XXXX XXXX XXXX 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 XXXXXXXX XXXX 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, Account name : XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXXXXXX XXXX # XXXX Account Name : XXXXXXXX XXXX XXXX XXXX Account Name : XXXXXXXX XXXX XXXXXXXX # 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 2022-05-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2020-12-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2100.00}, {$16000.00}, {$21000.00}, {$11000.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2100.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$16000.00} -This is not my account. 

3. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$21000.00} -This is not my account. 

4. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 


-- XXXX ACCOUNT 5. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- OTHER ACCOUNT 6. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2021-01-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (CA)

I applied for forgiveness under the PSLF program on XX/XX/2020. I have tried to check on the status of my application at least 7 times via phone and live chat and gotten incredibly inconsistent information about whether my application was received, whether it had been reviewed by Fedloan, when/if it had been sent to the dept of Ed, how long that process would take, and how I would be notified of its forgiveness. One representative even told me I wasn't entitled to know where my application currently was. I'm so frustrated with the misinformation and lack of transparency.
Consumer complaint received 2021-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (MD)

from XX/XX/21 - XX/XX/21 after several attempts to resolve the issue of not receiving an updated credit report. the company stated that the issue was my address was incorrect and was told that the issue would be corrected within 24 hours. i checked on the problem everyday till this day and the issue still havent been solved and im not able to take out any loans due to this.
Consumer complaint received 2021-09-29
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. (NC)

I have contacted all three credit company XXXX, XXXX XXXX and Experian regarding my credit reporting.Clearly there is some retaliatory behavior going on with these companies against minorities. I am requesting that your company address these issues with the credit bureaus. Clearly theres an accurate information that the credit companies refuse the report on my credit, along with the uncorrected information that I asked to be removed off my credit. I recently inquired from my bank XXXX XXXX XXXX XXXX that XXXX and XXXX XXXX, and experian still have yet to remove that inaccurate information on my credit report such as name that are not Associate it with my credit addresses phone numbers and in accurate Social Security numbers that are not associated with my credit this is abuse of power and criminal. These credit bureaus have a way of ruining peoples lives and this is what they have done to me. This is my fourth time filing a complaint with the department and nothing has been done
Consumer complaint received 2021-06-30
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: AMERICAN HONDA FINANCE CORP (NJ)

I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 250 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
Consumer complaint received 2022-09-21
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO. (TX)

On or about XXXX XX/XX/2022, I sent secured email to Chase that close my checking account ending in XXXX with a reason " account not needed any more ''. But instead of closing the account, Chase charged me {$12.00} as " MONTHLY SERVICE FEE '' on XXXX XX/XX/2022.
Consumer complaint received 2022-07-20
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (LA)

I submitted an inquiry on my online banking. Someone else received the email. The email it went to is in no way associated with my account. This person received an email with my name, address, loan number, and phone number. The person who received the email called to inform they received the email.
Consumer complaint received 2021-06-30
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: SIMMONS FIRST NATIONAL CORPORATION (AR)

I asked the fraud department at Simmons Bank XXXX XXXX Arkansas to dispute 2- {$300.00} transactions, withdrawals by XXXX which I did not authorize. I am being told because I entered my debit card into their app, I can not dispute the charges. I was in the office of XXXX, I believe XXXX, of the XXXX XXXX branch of Simmons Bank the afternoon of XX/XX/XXXX. At that time, only 1 transaction had occurred. In her office, I logged into the app and removed everything connecting XXXX to my checking account. There was no card information in the app when the second withdrawal was made from my account. The bank will not dispute this transaction either. 

In this app, every transaction receives specific authorization. I never gave XXXX blanket authority to access my account at will. I do NOT understand why my bank not only won't dispute the charges and recover my money, but they told me to close my account and I would not be allowed to open another at XXXX. This is what 36 years of business gets you at XXXX. 

I am the victim here! This {$600.00} is more than XXXX of my social security check. 

Do I have some avenue to dispute these transactions. I tried communicating with XXXX over and over. All they did was send me software instructions for making a transfer. 

Can you help me? I have about a XXXX dollars between me and the XXXX Wednesday of XXXX.
Consumer complaint received 2023-07-20
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. (MD)

This is not even licensed in my state to collect anything at all. I will be contacting the AG of their state as well as mine.

Pursuant to 15 USC 1692 ( c ) ( 2 ) - I am involking my specified remedy as a consumer and the original creditor I am demanding all of the following : XXXX  out the balance on this account Pay the attached invoice and compensate me for every violation labeled in the attached exhibits.
Consumer complaint received 2022-07-18
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. (GA)

on XX/XX/2022 I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will seek litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX data breach/identity theft and may have got into the hands of the wrong person.
Consumer complaint received 2020-12-24
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. (OH)

I have several account on my credit report that I have never done business with these companies. I have filed a police report and a CFPB Complaint as well yet the negative fraudulent accounts still appear on my credit file. Please delete / remove the following accounts XXXX  XXXX  XXXX  # XXXX, XXXX/XXXX  # XXXX, XXXX  XXXX  # XXXX, XXXX  XXXX  # XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2020-12-24
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. (PA)

I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.
Consumer complaint received 2023-05-01
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. (MO)

I am sbmitting this CFPB Comlplaint to dispute the presence of certain items on my credit report, which I believe to be fraudulent. I have reviewed my updated credit file and found that the items in question continue to be reported, despite my previous dispute. I have previously disputed these items, but they continue to be reported on my credit file. In addition, I have not received any supporting documents from the credit bureaus indicating that these items belong to me. Therefore, I am requesting that these items be removed immediately in accordance with the Fair Credit Reporting Act ( FCRA ) Section 605b. I need the following items removed from my Credit File as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX Balance Owed : {$130.00} XXXX XXXX  XXXX Balance Owed : {$0.00} MO CHLD SPRT XXXX Balance Owed : {$3000.00} XXXX XXXX Balance Owed : {$210.00} XXXX XXXX Balance Owed : {$1400.00} XXXX XXXX XXXX  XXXX Balance Owed : {$1700.00} XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. As we are all are aware, FCRA Section 605b states that any information that is inaccurate, incomplete, or can not be verified must be promptly removed from an individual 's credit file. I believe that the items in question fall under this category, as they are fraudulent and do not accurately reflect my credit history. I have taken all necessary steps to dispute these items with the relevant parties, including contacting the creditors and filing police reports. However, despite my efforts, these items continue to be reported on my credit file. I request that you investigate this matter further and remove these fraudulent items from my credit file as soon as possible.