davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-08
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: EQUIFAX, INC. (NY)

To : Consumer Financial Protection Bureau, XXXX is continuously violating the Federal Law made by the Congress and keep violating my rights as consumer of this Federal Corporation. As the Credit Reporting Boss please I request you to stop them with their misinterpretation of my consumer report. Thank you
Consumer complaint received 2022-04-08
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. (CA)

In accordance with the Fair Credit Reporting act there a accounts attached that have 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 consent.
Consumer complaint received 2022-04-08
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. (FL)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the collection agency however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted.
Consumer complaint received 2020-04-28
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)

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect.
Consumer complaint received 2020-05-14
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Santander Consumer USA Holdings Inc. (LA)

I purchased a car with XXXX in XXXX and Santander Consumer USA financed it. I didn't know the interest rate was 18 % but since day one most of my payments have gone towards interest instead of principle. On my credit report they have 80 payments at {$490.00}, on my paperwork from them it's a 6 year loan. There is no way I would sign to pay {$40000.00} for a {$20000.00} car. My paperwork states 72 payments and I have made double payments whereas they overcharged in interest and miscellaneous fees. The finance charge was {$14000.00} and after reviewing my payments I have paid above and beyond that. I have never been late and I even doubled payments. I really need this matter investigated because I am joining the class action lawsuit against this company and will also file a complaint with the Federal Trade Commission. After paying on this car a XXXX XXXX XXXX XXXX XXXX  they still say I owe {$12000.00}, how is this even possible, so for the last 5 years paying {$490.00} even doubling payments, that's called robbing a person of there Freedom. I wouldn't recommend this finance company to anyone, its a shame how they are making a person pay double the amount for a car. Please help me, because I asked a XXXX XXXX where my niece works and they advised me there is no way I owe the amount they are stating.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIRST COMMUNITY MORTGAGE, INC. (AR)

My loan was recently transferred to another processing company for First Community Mortgage. I mailed in my first payment to XXXX, as directed in the letter I received regarding the transfer. The payment cleared my account on XX/XX/2022. I have called the processor 4 times to ensure that my payment was processed correctly. I have been informed that there is no action I can take to ensure that the payment can be applied correctly until the end of the month. In fact, each time I have called, a customer service rep has informed me that I have a payment due on the first of XXXX. I spoke with a customer service supervisor named XXXX on XX/XX/XXXX and was informed that I have no ability to speak to anyone over him to ensure that the payment is applied correctly. He would not give me any information on who his supervisor is, when the supervisor would be coming to work, or even just the ability to leave a voicemail for his supervisor. Each time I called this company I was given different information as to when the payment would be credited to my account. It concerns me that there is no redress for poor customer service with First Community Mortgage and their processing system. 

Thank you for your time, XXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2020-05-14
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. (CA)

I AM VICTIM OF AN IDENTITY THEFT, AND I HAVE SEND MY REQUIRED ITEMS FOR MONTHS, I JUST CANT IMAGINE WHY I CANT PROVE THE FACT THAT I AM VICTIM, IF I NEED TO PROVIDE BLOOD TYPE I WILL. AS A CONSUMER I NEED TO HAVE SOME TYPE OF PROTECTION AND RIGHTS, THE XXXX ACCOUNT IS NOT MINE, THE CHARGES ARE NOT MINE, THE ACCOUNT WAS MAINTAINED WITHOUT MY CONSENT, I HAVE NEVER MADE PAYMENTS ON THAT THAT ACCOUNT, THE FACT THAT I AM VICTIM THAT 100 %, WHY CANT THIS FRAUDULENT ACCOUNT BE REMOVED FROM MY CREDIT PROFILE.
Consumer complaint received 2022-11-05
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)

My name is XXXX 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.
Consumer complaint received 2022-11-05
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: Experian Information Solutions Inc. (TX)

I previously sent a dispute letters addressed to the Credit Reporting Agencies requesting that the Credit Bureaus update, correct, and remove the disputed erroneous accounts that are reporting inaccurate information on my Credit file. I have read that the Credit reporting Agencies are required to report accurate information and investigate and correct any accounts reporting erroneously. I am submitting this CFPB complaint to follow up the previous CFPB complaint I submitted 15 days ago complaining and requesting the same disputes. Also, according to the FCRA, 15USC 1681i, the Credit reporting Agencies are required to finish their investigation within 30 days and send me copies of the results of investigation. I am requesting to the Credit Bureaus to please correct and or remove the following accounts from my Credit report : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-05-14
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. (CA)

I AM VICTIM OF AN IDENTITY THEFT, AND I HAVE SEND MY REQUIRED ITEMS FOR MONTHS, I JUST CANT IMAGINE WHY I CANT PROVE THE FACT THAT I AM VICTIM, IF I NEED TO PROVIDE BLOOD TYPE I WILL. AS A CONSUMER I NEED TO HAVE SOME TYPE OF PROTECTION AND RIGHTS, THE XXXX ACCOUNT IS NOT MINE, THE CHARGES ARE NOT MINE, THE ACCOUNT WAS MAINTAINED WITHOUT MY CONSENT, I HAVE NEVER MADE PAYMENTS ON THAT THAT ACCOUNT, THE FACT THAT I AM VICTIM THAT 100 %, WHY CANT THIS FRAUDULENT ACCOUNT BE REMOVED FROM MY CREDIT PROFILE.
Consumer complaint received 2019-08-04
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)

Their were a XXXX credit cards open in my name due to fraud. All the Credit Agencies removed this account but Transunion reinserted after they had removed it. That dropped my score 115 points, stopping my chances to qualify for financing.
Consumer complaint received 2022-10-08
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (FL)

On XXXX I formally requested a refund for an overpayment on a credit account to Comenity Capital Bank, a subsidiary of Bread Financial FKA Alliance Data. The account balance had already been paid prior to their systems auto-payment withdraw. Comenity Bank processed the automatic payment as well and now shows the credit account with a balance of - {$220.00} and a credit limit of {$720.00} ( originally {$500.00}. ) I requested the overpayment of {$220.00} be refunded to the account used to make the payment and that they make this action within 7 days of receipt. 

On XXXX I received a reply through their electronic messaging system that they : " won't collect the amount in question or report you as delinquent to the credit reporting agencies. '' I attempted to contact them again on XXXX and XXXX again explaining that my account was not delinquent, it was in fact over-paid. 

On XXXX I finally received a reply from a representative that they did acknowledge the original dispute date of XXXX that they would notify me of their findings within 90 days by US mail, again stating " won't collect the amount in question or report you as delinquent to the credit reporting agencies. "
Consumer complaint received 2022-04-08
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. (IA)

I recently received a copy of my Experian credit report and I noticed some late payments on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX Your company is in clear violation of the law under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) In General Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( a ) In accordance with the written instructions of the consumer to whom it relates. 

Did I give you written instructions to furnish this account on my credit report? 

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) Exclusions - Except as provided in paragraph ( 3 ), the term " consumer report '' does not include - ( A ) Subject to section 1681s-3 of this title, any - ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

Failure to respond satisfactorily with deletion of the above referenced account and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will be seeking a {$1000.00} per violation for : 1. Defamation of Character 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616 civil liability for willful noncompliance { 15 U.S.C. 1681n } Best Regards, XXXX XXXX
Consumer complaint received 2022-10-08
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: Experian Information Solutions Inc. (GA)

To : Consumer Financial Protection Bureau, XXXX is continuously violating the Federal Law made by the Congress and keep violating my rights as consumer of this Federal Corporation. As the Credit Reporting Boss please I request you to stop them with their misinterpretation of my consumer report. Thank you
Consumer complaint received 2022-04-08
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BMO Bank, N.A. (WI)

On XX/XX/2022, my husband and I applied to BMO Harris for a mortgage loan for fha due my my lower credit score of XXXX, we had already been in the market looking at other banks so I know what my mid scores are and I figured I worked for this bank and they have special discounts for employees, so we wanted to apply. As always I do my research to see what banks credit score requirements are for fha loans, and on BMO Harris website, it states a minimum score of XXXX ( I have that ). So we applied! I got an email from a loan officer by the name of XXXX XXXX, that said, Unfortunately my score is a XXXX ( this I knew already ) and it has to be a XXXX. I then responded even for fha loans? She replied, yes if Im a first time home buyer I need a XXXX. I then proceeded to tell her that BMO website stated otherwise which showed a XXXX credit score and advise her that if that was a requirement that should have been stated in the website where I would have reconsidered applying knowing that I dont meet the requirement and would have never took the time to apply and have my credit ran for a another ding to my credit report! She had yet to respond back!
Consumer complaint received 2022-10-08
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: EQUIFAX, INC. (GA)

To : Consumer Financial Protection Bureau, XXXX is continuously violating the Federal Law made by the Congress and keep violating my rights as consumer of this Federal Corporation. As the Credit Reporting Boss please I request you to stop them with their misinterpretation of my consumer report. Thank you
Consumer complaint received 2019-10-05
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: NAVY FEDERAL CREDIT UNION (NC)

I have contacted Navy Federal Union multiple times in regards to my vehicle title. I still have not received it. To the point where I reached out to the state of Arizona to request a duplicate title which I have not received. It has been over two months ; I reached out to Navy Federal credit union once more to request another duplicate but requested it be sent to The navy federal credit union branch here in XXXX, NC where I am currently an XXXX XXXX XXXX  XXXX  of the XXXX XXXX XXXX. The representative told me that if I were to receive the duplicate I requested a month ago that it would be void which I stated I would take complete responsibility for and still wanted the title be sent to the branch. She initially said it was possible and then said it was not. I told multiple representatives that this is putting me in financial hardship and I felt as though as a consumer I was just being used to use their financial institution so Navy Federal Credit Union could profit from me then discarded me immediately when my loan was paid off. If this issue ever gets resolved, I will be changing financial institutions immediately. I as a female service member, refuse to be XXXX by a financial institution. Yes, XXXX. Thats how I feel. I feel like I have been abused and used.
Consumer complaint received 2022-09-11
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 — Problem with personal statement of dispute
Company: Absolute Resolutions Corp. (OH)

Absolute Resolutions ( Debt Collector ) has a collection on my credit reports that I paid {$2700.00} to settle the debt. They marked it as paid but did not remove the collection as agreed once payment was made.

I paid as agreed and they didn't keep their end of the deal by removing the collection.

The original collection is at the 7 year threshold and should have been removed.

This is harming my credit rating. Please advise. 
XXXX XXXX XXXX XXXX
Consumer complaint received 2020-09-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: KEYCORP (NY)

Why is keybank using the same tactics to not answer my original questions. That's number 1, number 2 ... .and more importantly why is XXXX XXXX.. using the police tactic when In his Original candid remark he said he doesn't look into police reports ... number 3, my wife is not mentioned in the police report so why is she being banned too she has nothing to do with this number 4 ... XXXX XXXX I know it's hard to fathom the Mea culpa here, why is my wife being banned and she is not even mentioned in XXXX XXXX police report XXXX
Consumer complaint received 2022-10-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

In accordance with the Fair Credit Reporting act XXXX XXXX  # 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 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 2022-10-16
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: EQUIFAX, INC. (PA)

In accordance with the Fair Credit Reporting act XXXX XXXX # 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 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 2020-05-14
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Opportunity Financial, LLC (CA)

California passed the Fair Access to Credit Act on XX/XX/XXXX. The cap on interest rates in California is 36 %. I took out my loan XX/XX/XXXX. My interest rate is 159.22 %. Opps loans refuse to update the contract. I am grossly being overcharged. I am requesting that this get looked into.
Consumer complaint received 2022-04-08
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. (TX)

Upon reviewing my credit file, incorrect information was found in my reports. The TransUnionXXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX XXXX XXXX Balance {XXXX}, XXXX XXXX XXXX XXXX  XXXX Balance {XXXX}, XXXX XXXX XXXX XXXX XXXX Balance {XXXX}, XXXX XXXX XXXX XXXX XXXX Balance {XXXX}, XXXX XXXX XXXX XXXX XXXX Balance {XXXX}, XXXX XXXX XXXX XXXX XXXX XXXX {XXXX} XXXX XXXX XXXX  XXXX XXXX Balance {XXXX} XXXX XXXX XXXX Balance {XXXX}, XXXX XXXX XXXX Balance {XXXX}, XXXX  XXXX XXXX Balance {XXXX}, XXXX XXXX XXXX Balance {XXXX}, XXXX XXXX XXXX Balance {XXXX}, XXXX XXXX XXXX Balance {XXXX}.
Consumer complaint received 2022-04-08
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)

Upon reviewing my credit file, incorrect information was found in my reports. The XXXXExperianXXXX  Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX XXXX XXXX Balance {XXXX}, XXXX XXXXXXXX XXXX XXXXI XXXX Balance {XXXX, XXXX XXXX XXXX XXXX XXXX Balance {XXXX}, XXXX XXXX XXXX XXXX XXXX Balance {XXXX}, XXXX XXXX XXXX XXXX XXXX Balance {XXXX}, XXXX XXXX XXXX XXXX XXXX Balance {XXXX} XXXX XXXX XXXX XXXX XXXX Balance {XXXX} XXXX XXXX XXXX Balance {XXXX}, XXXX XXXX XXXX Balance {XXXX}, XXXX XXXXXXXX XXXX Balance {XXXX}, XXXX XXXX XXXX Balance {XXXX}, XXXX XXXX XXXX Balance {XXXX}, XXXX XXXX XXXX Balance {XXXX}.