davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-22
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2022-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2022-04-24
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CREDIT ACCEPTANCE CORPORATION (PA)

Credit Acceptance Corp sold me a used defected vehicle that had mechanical issues without providing me with accident or damage reports which is considered a Lemon according to Lemon Law. The vehicle transmission failed and was not drivable a few months after I purchased the vehicle and I also have an active lawsuit against Credit Acceptance Corp. They are re-aging the debt on my credit report and still attempting to collect debt and they updated the account as current on my credit report then flagged it as 150 days past due and send mail to my current address that they had no knowledge of.
Consumer complaint received 2022-08-22
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: CREDIT ACCEPTANCE CORPORATION (NY)

On XX/XX/XXXX I went in to XXXX XXXX to purchase a XXXX XXXX from an online advertisement I seen. When I arreived there, an employee advised me that the XXXX XXXX that I was looking for was available but was not currently on the lot because the owner was currently using it as there personal vehicle. Once I heard this, I lost interest! I was then pointed to a XXXX XXXX  XXXX, which this certain employee advised me was priced at {$9000.00}. I then said ok I want it! I was then taken inside to a actual dealer named " XXXX ''. XXXX began by asking me how much was I looking to put down? I advied him that I only had {$1000.00}, XXXX then made a face as if to say no. He then said {$2000.00} was the least that I could put down, I then advised XXXX that I did not have that amount of money at that time. XXXX then said ok, do you have {$1500.00}? I said no but I can get it, XXXX then said can you can drive off with this car right now if you can get me that {$1500.00} and then owe me {$500.00}. I told XXXX to give me a second, I then went into my phone and transferred $ XXXXout of my checking account. I then advised XXXX that I had the {$1500.00}, he said ok. He went on the computer for a couple of minutes looking for loan companies to finance the car. After about 5 minutes, XXXX advised that he had found a company name " CREDIT ACCEPTANCE '' to finance the car. XXXX said Credit acceptance would finance the car and my total would be around {$16000.00} and some change ; I agreed. While I was waiting, XXXX advised me to pay attention while he read the contract to me, when he was finished, XXXX motioned me to sign what he had just read to me Electronically. I signed without even thinking because this was my first car and I didn't know the ins and out about anything, so I just singed the papers Electronically, albeit under the impression that the loan agreement was for a total of {$16000.00} and some change. Once the deal was made I drove off of the lot happy thinking that this was a good deal, however, upon reviewing the contract with a family member, I was notified by that family member that my loan was for a total of {$36000.00}!!! And out of that {$36000.00}, XXXX was subtracted from it as a down payment on my part. As I've stated before, I only put {$1500.00} down as a down-payment. So as you can see, I was baffled by this and right away called XXXX XXXX for an explanation??? They gave none, I then called the loan company, and they advised me that it was nothing thry could do because I signed the contract. In conclusion I ask that this matter be looked into because this has cost me financial burdens, and I would like for this to be reversed and I be compensated for the money spent on this egregious loan.
Consumer complaint received 2022-08-22
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. (GA)

XXXX, Trans Union and XXXX are reporting an account with misleading information. After I reviewed my credit report online these three bureau have two accounts named ( XXXX ) and ( XXXX XXXX ) that is reporting false information. XXXX is reporting this as an installment loan and I never applied for an installment loan with this company. Underneath is the account information off my credit report from three bureaus.Trans Union and XXXX is reporting a different account type for XXXX. The account named ( XXXX XXXX ) is reporting different account types on my reports. Please delete ( XXXX ) and ( XXXX XXXX ) from all my credit reports immediately. 

XXXX XXXX. Transunion 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 TRANSUNION 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
Consumer complaint received 2022-12-15
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, the list of accounts below have violated my constitutionally protected rights to privacy and confidentiality under 15 USC 1681. 

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 U.S.C. 1681 SECTON 602A STATES THAT I HAVE A RIGHT TO PRIVACY. 

15 U.S.C. 1681 SECTION 604A SECTION 2. IT ALSO STATES THAT A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

15 U.S.C. 1681C ( A ) ( 5 ) STATES THAT NO CONSUMER REPORTING AGENCY MAY MAKE ANY CONSUMER REPORT CONTAINING AND OF THE FOLLOWING ITEMS OF ADVERSE INFORMATION, OTHER THAN RECORDS OF CRIMES WHICH ANTEDATES THE REPORT BY MORE THAN SEVEN YEARS.

15 U.S.C. 1681S2 ( 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 2022-08-22
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. (NY)

I had a lease with XXXX from XXXX XXXX XX/XX/2021 and completed paid the lease in full. They even sent me a paid in full email and disabled my autopay and ability to make payments in XX/XX/2021 as I was completed with the car lease. After the paid in full status, XXXX reported a repossession then changed it to a charge off/collection for {$190.00} which is inaccurate. I have disputed this for over a year with no results. I have no signed contract with XXXX to continue making payments to them past my original lease agreement.
Consumer complaint received 2022-08-22
Product: Credit card or prepaid card — Store credit 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: Bread Financial Holdings, Inc. (NM)

The card was opened under the wrong name. 

I had one charge on the card that was paid XX/XX/22 I have documentation from the company that my bank processed the payment on XX/XX/22. 

I closed the account on XX/XX/22 when I saw the money had left my bank account. I have documentation from the company that my account of {$0.00} was closed on XX/XX/22. 

On XX/XX/22, the company re-opened my account and charged me a late fee.
Consumer complaint received 2021-12-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Back in XX/XX/2017. I had a checking account ending in XXXX closed permanently my Bank of America after a wire that was unbeknownst to be was sent into the account. I immediately contacted my branch and let them know of this and they subsequently closed my account permanently due to suspicious activity and notified me that I no longer could bank with them. Im now at a cross roads because I had an employment opportunity with Bank of America in New York that was rescinded due to an unsatisfactory background check which directly relates to the account I had back then. I can wholeheartedly say that I was not responsible for any wrong doing/suspicious activity and made it aware once I found out at the time.
Consumer complaint received 2022-08-22
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. (GA)

I sent XXXX, EXPERIAN, and XXXX letters via certified mail XX/XX/2022 demanding for them to remove these inaccurate accounts from my consumer report. XXXX XXXX XXXX XXXX XXXX XXXX and to also correct my personal identifying information on my consumer report. I am demanding that each agency be in accordance with the law 15 usc 1681 ( a ) ( 2 ). I never gave these agencies my written consent to furnish these negative accounts to my consumer report and I, the consumer also have rights to my privacy. This has caused damages in my life with getting denied a home loan and causing decreases in credit limits.
Consumer complaint received 2021-12-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Jana Ferrell & Associates LLC (OK)

I have been requesting, since XX/XX/2021, verification of this alleged debt that this agency claim I owe and which they are reporting on my credit files. However, they have failed to obtain and send me legal verification as mandated by the law. Furthermore, I have requested verification and validation, several times, directly through each of the XXXX XXXX XXXX and each time they have reported that they electronically verified the accuracy of these alleged claims through their automated systems, yet you failed to do so for me... why is that. Thus, they have failed to cease collection activity until verification of debt has been made by continuing to report inaccurate and unverifiable information to these XXXX XXXX XXXX as prohibited by the Fair Credit Reporting Act. Therefore, it is quite obvious that they have deliberately violated my rights in more than one way which is punishable by law.
Consumer complaint received 2022-08-22
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. (TX)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX 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 719tXXXX has me at a score around 590. That is a huge difference. XXXX 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 XXXX  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 XXXX. I do not understand why they are abusing consumers .This 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 XXXX more than XXXX times. XXXX 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 XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Consumer complaint received 2021-12-09
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. (CA)

XXXX is stating I have a 90 day late payment from XXXX of XXXX. In XXXX of XXXX I filed a deferment. I also informed XXXX that I was XXXX XXXX XXXX and that I wanted to make sure that my account was in good standing before I was going out on XXXX XXXX. XXXX told me I qualified for the income driven program and that I my bank ace a month with be XXXX. I also was informed that I would not have to make another payment until XXXX. I filled and completed the application for the income driven plan and faxed it to the XXXX. Upon checking my credit report I was o formed that I was 90 days late. Every month was on time but XXXX of XXXX. I asked to have it the late payment disputed through XXXX, XXXX, XXXX and Transunion for reporting in correct information. I also reached out to XXXX and XXXXXXXX XXXX to have the late payment disputed off my credit report.
Consumer complaint received 2022-08-22
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. (TX)

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 .This 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 XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Consumer complaint received 2022-08-22
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. (PA)

Checking my consumer report I noticed that Experian released my non personal information to the following companies without my prior consent. 
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 
I expect these inquiries to be removed from my report immediately. As a consumer I have the right to privacy which you have a duty to keep my personal non public information private at all time, unless I the consumer give you consent. I did not authorize anyone from the companies listed above to make any inquiry or view my credit report, nor did I give Experian permission to furnish this fraudulent information to my credit report. Under 1681b ( c ) this is a violation which is fraudulent activity and a breach of my right to privacy. 
Please be aware that no consent is Identity Theft
Consumer complaint received 2021-12-09
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Thaxton Investment Corporation (IL)

Heights Finance XXXX IL did not even reach out to me or offer me help with mt payment after running behind this month, before they threw a 30 day late onto my credit reports on XX/XX/2021 which dropped my credit score XXXX pts and it was already low at XXXX not because I do not pay well, had excellent pay history but because of my student loan debt! They are already gouging me for almost 40 percent interest and I had a perfect pay history and work for the XXXX XXXX XXXX XXXX!!! I want them to help me get current, lower my interest and remove that 30 day late!! I am a XXXX widowed mother doing all on my own and need some help!!!!
Consumer complaint received 2022-10-18
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: CCF Intermediate Holdings LLC (CO)

I got a loan from Speedy Cash in Colorado, due to losing my job behind XXXX my mother 's death my father 's death and my brother 's death I had problems paying the loan back I tried to make payment arrangements which were denied on XX/XX/XXXX a lady showed up at my door and served me court papers to appear on XX/XX/XXXX at XXXX at XXXX demanding XXXX plus XXXX court cost. Asking a total of XXXX from the court. I sent the attorney a email asking to set up payment arrangements with what I can afford with dates ect. They stated I owe XXXX and if I could not pay in full prior to XX/XX/XXXX that then they would set up pay arrangements after I send in paystubs name of employer, pay periods and dates paid .Once I send that, they will send me a stipulation. And I have 24 hours to respond otherwise it voids.I called courts and in fact there is not a civil judgement filed against me so no court date ect. Plus denied my pay arrangement served me false court papers on Sunday XX/XX/XXXX. I also called loan company trying to make arrangements to pay and was told to contact the attorney It's also on my credit report as open account. I have tried to make it right with failed attempts. Now I'm being lied to and scared being served false summons to appear at XXXX XXXX.
Consumer complaint received 2022-08-22
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Fraud or scam — 
Company: Fidelity National Information Services, Inc. (FNIS) (MD)

Currently, I have something on my credit that has curtailed me from opening up a checking account. 

Chexsystems is reporting that I owe {$2900.00} for a write off that hd insufficient funds. 
This is false reporting and I need for it to be investigated. 

The amount is allegedly tied to XXXX and XXXX Bank. I am unaware of this and I have to have this matter removed. 

Thank You