davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Exeter Finance, LLC. (DE)

I have taken a look at my credit report which has caused some confusion. I used my social security number/card defined under 15 USC 1602 ( l ) to extend credit with EXETER FINANCE LLC to obtain a vehicle. I am a natural person, a federally protected consumer, and the original creditor defined under 15 USC 1602 ( g ). The vehicle which is subject to the transaction was used primarily for personal, family and household purposes. EXETER FINANCE LLC has engaged in extortion and racketeering activity defined under Title 18 Chapter 42. EXETER FINANCE LLC has violated my consumer rights : -15 USC 1602 ( k ) : I was not informed on the cost of credit. I never received written adequate notice that sets for the pertinent facts for this consumer credit transaction -15 USC 1601 ( a ) : Congress makes it clear that consumer credit would be strengthened by the informed use of credit. The only decision I was given after the consummation of the transaction was to make payments without penalty which is a violation of 18 USC 880. The decision I made in connection to this transaction was uninformed.

-15 USC 6802 ( b ) ( 1 ) ( B ) : I, the consumer, have never been given the opportunity to direct that my nonpublic personal information should not be disclosed to nonaffiliated third parties such as XXXX, XXXX and XXXX. Nor was I given an explanation on how to exercise the nondisclosure option which is a violation of 15 USC 6802 ( b ) ( 1 ) ( C ). -15 USC 1681a ( d ) ( 2 ) ( i ) : the term consumer report does not include a report containing information solely as to transactions or experiences which means latel payments should not be furnished on my consumer report -15 USC 1666 ( a ) ( 2 ) I am aware that all extensions of credit are tied to my social security card and that the United States is obligated to all debts under 18 USC 8. EXETER FINANCE LLC has caused harm by furnishing inaccurate information on my consumer report. I am requesting additional clarification in regards to the billing errors under code 15 USC 1666 ( b ) ( 2 ) documentary evidence under 15 USC 44 includes books of account.

-18 USC 1 conspiracy against my rights is affecting my ability to operate in commerce.
Consumer complaint received 2022-09-22
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. (GA)

I am sending you this because the 3 credit bureaus did not respond to my dispute letter sent on XX/XX/2022. They are reporting misleading inaccuracies on my report. This is keeping me from obtaining credit.
Consumer complaint received 2022-06-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: TD BANK US HOLDING COMPANY (FL)

I have a joint account with family friend. His balance was XXXX for months. He deposit a cash in the ATM machine for {$19000.00} on XXXX XXXX. On XX/XX/XXXX. XXXX, he walks into the bank asking for a withdrawal. The teller tells him he can only get {$8000.00}. He received that and walks out the bank. I get a call the same day saying what occurred earlier.I asked why didn't you contacted me before you gave him the funds. She said his name was on the account. It turned out the check bounced and was stolen. I'm confused because the same way they called me hours later to ell me what happened, they could have called me before they gave him the money. Anyway, I spoke to the person who did this and he said the people who convinced him to do this told him they know someone who worked in the bank..He has text message about this entire situation. I have partial text messages but he showed me in his messages the person said, " we know someone in the bank '' ..... Prior, to this happening, I went into the bank asking them to remove this person off my account and they never did.Now, they are telling me I'm liable for the bounce check of {$8000.00}
Consumer complaint received 2022-06-25
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. (RI)

In accordance with the fair credit reporting act these accounts have violated my rights 15 U.S.C 1681 section 602 states I have the right to privacy also states a consumer reporting agency can not furnish an account without my written instructions. 

XXXX XXXX Bank # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXXXXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX  # XXXX
Consumer complaint received 2022-06-07
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)

To Whom It XXXX Concern, XXXX XXXX XXXX is currently reporting erroneous information on my Experian credit report. The debt was purchased by another lender and subsequently paid, however Experian is still reporting a {$330.00} balance. 

I have contacted both XXXX 's XXXX and Experian directly XXXX and to date they have not corrected the error. This erroneous debt reporting is causing me to be denied for credit and needs to be corrected immediately.
Consumer complaint received 2022-06-07
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

XXXX XXXX Capital One Acct # XXXX Auto : XXXXXXXX XXXX XXXX Last Payment Made : XX/XX/XXXX ( Automatic Payment ) Amount : {$180.00} Agreement Illegal Repossession Please be advised that I have been in a payment arrangement with Capital One Auto Loan making payment through automatic pay every month. Capital One takes the money out of my bank account from my social security XXXX check the first week of every month. On XX/XX/XXXX I went outside to find out that the car was not in front of my house. I called my local precinct XXXX and as per the police officer findings he stated that Bank Repossession was Reported. I spoke with the bank and they stated that the was a {$400.00} dollars repossession fee assessed I asked why have they not sent me a notice to my home or call me, they stated Do Not Call in which we have never noted and that must have been done at their end but since there is an automatic payment agreement might have NOT been a need to call me. I stated to them that in the 5 years that I have had the car that I have never had said problem. I explained that I've been the one calling them requesting for a vehicle modification due to Global Covid-19 Pandemic " Hardship '' and Landlord/Tenant problems in which tenants were not paying rent causing for me to call my creditors requesting loan modification, forbearance agreement, vehicle modification, and other type of payment plans in order to keep my account " Active '' and in good payment standing with my creditors. As a Consumer Financial Protection Bureau, I would like for you to contact Capital One with my complaint since now they want for me to pay over {$2300.00} dollars when they have been taking the payments themselves out of my bank account. 
I want for them to reconsider their action as illegal repossession and I want for them to get my account back as " Active '' and in good standing with the credit bureaus as well as with their internal financing. Thank you. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-06-25
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. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX Date of Birth : XX/XX/XXXX SS # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX am writing to delete the incorrect information in my report. Someone stole my information and signed up for things in my name. The items I need deleted are listed in the report. I became a victim of identity theft. I have filled out a report with the federal trade commission also and the reference number is XXXX. I ask that the items be deleted to correct my credit report. It is super overwhelming to have to go through this and would like for this to be deleted ASAP. 
Thank You I demand that the following account be verified or removed immediately : XXXX. The following account is not mine XXXX XXXX Account XXXX : XXXX Please remove this inaccurate information from my credit report. 

XXXX. The following account is not mine XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

XXXX. The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

XXXX. The following account is not mine XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

Please remove it from my credit report
Consumer complaint received 2022-06-07
Product: Vehicle loan or lease — Loan
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Santander Consumer USA Holdings Inc. (GA)

I opened an auto loan with Santander Consumer Inc. XXXX of XXXX. My first payment was XXXX of XXXX. My credit started reporting from that point, I made payments on time and in full. In XX/XX/XXXX, I joined the military. While in basic training, my mother was granted access to my account to make payments, she received a noticed that because I joined the military, I would receive a discount of {$100.00}. Taking my payments from {$350.00} to {$250.00}. Once I was out of basic training in XXXX of XXXX, I checked my credit report only to see that my account with Santander Consumer Inc. was no longer reporting and the account was taking off my report. I reached out to the company where I was informed the reason why was because of SCRA. I told the agent I was aware of SCRA however I didnt consent to this action. I was sent a waiver through the mail to sign, to agree for the continuance of the reporting from the company. Once the paper was signed I was told that it would take 60-90 days. I reached out to the agency in XX/XX/XXXX. I was told that the information wasnt received, a week later I was told that the information was received and that it was being sent up for a review and it would take 60-90 days for it to report. The account never reported, I called in XX/XX/XXXX & was told to contact the three major credit bureaus, the company stated the information was sent to them & that it would be up to them if they wanted to added the account back to my credit summary. I reached out to the credit bureaus and I was told that there wasnt any documentation sent to them in regards to this account. From XX/XX/XXXX until current of XX/XX/XXXX I have been back & forward with Santander Consumer Inc & The three major credit bureaus about my auto loan account being added back to my credit report and nothing has been done. I was informed by the credit bureaus that they dont added, modify, or delete accounts it is in fact the company. I have been attempting to get this problem fixed for over a year & nothing has been done.
Consumer complaint received 2022-06-07
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: HUNTINGTON NATIONAL BANK, THE (CA)

I have had good relationship with TCF bank when I lived in XXXX, XXXX  I moved XXXX  in XXXX and TCF bank  merged to Huntington Bank. 
I have had IRA CD matured in XX/XX/XXXX. I asked minimum distribution requirements ( RMD ) {$1200.00} many times Huntington bank and notified the new address in XXXX and XXXX. 
They have not sent me MDR yet. I notified XXXX who worked XXXX XXXX Huntington bank, '' I want to close my IRA cd on mature date and transfer to XXXX XXXX broker account in XX/XX/XXXX and get the bonus {$400.00} til XXXX XXXX '' but it seemed to be very difficult because bank asked so many documents. XXXX XXXX of XXXX XXXX couldn't transfer my IRA after matured date. I notified bank not renew CD and Bank send me CD and I will send to XXXX. Huntington Bank asked me to close " send notarized letter to close CD '' and I sent it after they received my mail. asked me " Send copy of ID '' and sent it then asked " notarized ID ''. Why they didn't give me instructions to close the CD after due date. After this, manager corette asked me to fill up the form to close.

They kept asking forms one mail after mail. I lost the chance to get bous {$400.00} because they are holding my CD. 
I heard I don't pay MDR, IRS charge me the penalty, 50 % of {$1200.00} so I requested Huntington Bank. 
They refused it so I complained to attorney general office Illinois. 
The answer was I didn't provide the documents. They didn't see Huntington bank didn't pay MDR for last year and didn't provide instructions how to close for matured CD and kept asking one received then another one. Bank didn't send my IRA CD yet and MDR with penalty. I lost the chance to get Bonus {$400.00} because it passed due date. I want receive my IRA CD, Bonus {$400.00} and penalty of MDR {$600.00}.

I want to report Hunting bank is doing malpractice. 

XXXX XXXX
Consumer complaint received 2022-09-08
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

CFPB + Credit Reporting Agencies, This complaint is in relation to a credit account this creditor ( XXXX XXXX  - 3rd Account ) has re-aged illegally and I would like removed immediately. 

attached to this are : - my drivers license - my social security card - my address- my written complaint - screen shot where located on credit report Please have this illegally re-aged account removed immediately from my credit reports.
Consumer complaint received 2022-10-13
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. (TX)

In 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 porting agency can not furnish a account without my written instructions 15 U.S.C 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. 


In 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 porting agency can not furnish a account without my written instructions 15 U.S.C 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.
Consumer complaint received 2022-06-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (MD)

Date : XX/XX/XXXX Amount : {$3100.00} Merchant : XXXX XXXX XXXX Fraud dispute : I was not authorized the above transaction. My Discover credit card was stolen and not kept in my position since I left the USA in XX/XX/XXXX. I am still out of country but realized there is a big charge posted to my account posed in XX/XX/XXXX. The company has not solved the issue, and even worse, someone has also stole my online account information and try to file a billing dispute on behalf of me with fake ID. Of course, it is not appropriate and I have to report this case to CFPB for the further action. 

To help you better investigate the case, I have attached the most recent XXXX ( Official document of XXXX XXXXXXXX XXXX XXXX  ) for your reference. Please note that any phone call related to my account would be fraud because I am out of country with no local phone connected.
Consumer complaint received 2022-06-07
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: EQUIFAX, INC. (NY)

In accordance with the Fair Credit Reporting act US SM BUS ADMIN ODA, 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 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.

According to 15 USC 6802. Financial institution may not, directly or through any affiliate disclose to a nonaffiliated third party any nonpublic personal information.
Consumer complaint received 2022-06-07
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. (TX)

- In accordance with the fair credit reporting Act XXXX XXXX Balance Owed : {$0.00} has violated my rights 15 u.s.c.1681 section 602 A States I have the rights 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. 

- In accordance with the fair credit reporting Act XXXX  XXXX XXXX XXXX Balance Owed : {$0.00} has violated my rights 15 u.s.c.1681 section 602 A States I have the rights 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 - In accordance with the fair credit reporting Act XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} has violated my rights 15 u.s.c.1681 section 602 A States I have the rights 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 - In accordance with the fair credit reporting Act XXXX  XXXX XXXX XXXX Balance Owed : {$0.00} has violated my rights 15 u.s.c.1681 section 602 A States I have the rights 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 - In accordance with the fair credit reporting Act XXXX XXXX XXXX XXXX Owed : {$0.00} has violated my rights 15 u.s.c.1681 section 602 A States I have the rights 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 - In accordance with the fair credit reporting Act XXXX XXXX XXXX Balance Owed : {$0.00} has violated my rights 15 u.s.c.1681 section 602 A States I have the rights 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 - In accordance with the fair credit reporting Act XXXX XXXX I, XXXX XXXX Balance Owed : {$0.00} has violated my rights 15 u.s.c.1681 section 602 A States I have the rights 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 - In accordance with the fair credit reporting Act XXXX  XXXX XXXX Balance Owed : {$0.00} has violated my rights 15 u.s.c.1681 section 602 A States I have the rights 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