davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-04
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: Americas Car-Mart, Inc. (TN)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-10-04
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: FIRST CITIZENS BANCSHARES, INC. (WA)

On XX/XX/XXXX, I bought a semi tractor and trailer. XXXX was the finance company for these pieces of equipment. My husband and I signed the contract as personal guarantors for the loan. 
We titled the truck and used it for about a year and paid on it every month. On XX/XX/XXXX I surrendered both pieces of equipment XXXX notified me that the equipment would be sold at auction. 
In XXXX and XX/XX/XXXX, XXXX ran a hard credit report on me, without my permission. They caused my credit score to go down. 
Around the first of the year in XXXX, I received an email from XXXX notifying me that I owed {$44000.00} for the difference in the equipment sold to what I owed on the loan. I asked why. I was informed that both pieces were sold. After attempting to negotiate, they would not accept my offer. They wanted $ XXXX/month, which was not feasible as I was no longer in business. They informed me they would be seeking litigation to recover costs. 
XX/XX/XXXX I received documents from my lawyer that XXXX sent. One of which was a letter from the WA State DOL asking for the title of the tractor back as it was illegally titled. The title from Tennessee in XXXX had a crushed brand on it. When we titled it in WA originally, the Oregon title was clear, no brands. 
XXXX knew about the branded title two years ago. They did not inform us that they could not sell the truck. They waited until XXXX to attempt to get the money from us. 
Currently, they are suing me for a truck that is branded and expecting me to pay them the full amount left on the loan plus legal fees. 
If I had known the title was branded, the truck would not have been bought. The bank needs to go after the dealer to recoup their money. I am not sure how I am responsible for a vehicle that is valued at {$0.00}.
Consumer complaint received 2022-10-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC (SC)

Hello, This is my second complaint regarding the same group of lenders/loan officers associated with my mortgage. Below is their information : XXXX XXXX LICENSE ID XXXX, United Wholesale Mortgage XXXX XXXX XXXX XXXX ) XXXX BROKER XXXX Loans NMLS/SC LICENSE ID XXXX LOAN OFFICER XXXX XXXX XXXX XXXX LICENSE ID XXXX EMAIL XXXX PHONE ( XXXX ) XXXX My first complaint was about Anti steering law that the lender and loan officer did not abide by. My complaint is unresolved to date. 

This is a complaint about the loan payment setup. I was repeatedly promised that there was no penalty to pay off the loan sooner than loan duration and that I will have the option to choose to pay at a bi-weekly pace. I have repeated confirmation from the loan officer from well before closing and from today XX/XX/2022 over the phone, my loan officer confirmed the same yet again. However, United mortgage 's representatives said they do not offer true biweekly payment opportunities. They instead offer a budget payment option that is not the same as biweekly and I am not interested in this make-shift option. I would like for the loan officer and the lender to clarify and rectify this issue immediately.
Consumer complaint received 2022-10-04
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. (FL)

On XX/XX/XXXX I sent the complaint to XXXX Trans Union and XXXX about incorrect items on my credit report it is well past 30 days and I have not got any information back on my investigation
Consumer complaint received 2022-10-04
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (CA)

I submitted a prequalification application for a home loan at XXXXXXXX XXXX on XX/XX/22. This was for both me and my husband. The online application said that my credit would NOT be affected and that no hard inquiry would be done, that it was only the first step in the process. However, a hard credit inquiry was done immediately, for me and my husband. I was alerted to it that day through my bank. I looked up the information on Experian. It said " XXXX XXXX '' had run my credit. I don't know who that is but I think it's associated with XXXXXXXX XXXX because at the bottom of the report it says, " Real estate on behalf of XXXX XXXX XXXX XXXX. '' A loan officer named XXXX XXXX at XXXX XXXX was assigned to me automatically when I submitted the application and I immediately emailed him. It's now been two days and I've written him four times and him and his manager XXXX XXXX together once, and they are completely ignoring me. I called XXXXXXXX XXXX  nine times today and three times yesterday, and no one will explain what happened or fix the problem. I can not reach XXXX or XXXX. I called Experian today XX/XX/22 to ask how to dispute the hard inquiry. I told them that I have already disputed it with XXXX XXXX and they are not answering me. ( In the emails I specifically told them that I am disputing the inquiry and asked that it be removed for both me and my husband immediately. ) The employee at Experian said all I can do is ask XXXX XXXX to fix it because Experian can do nothing. I do not believe that's true. I've asked how I can dispute this directly with Experian, if I should mail a letter or something, and the person said it is impossible. She also said that any inquiries by XXXX XXXX are " authorized by law '' which does not make any sense. XXXX XXXX  specifically said in their application online that this would NOT happen, and I told them that I did not authorize this or have any knowledge of it happening until it showed up on my credit report. Law does not authorize running credit without the consent of an individual. I do not know what to do and my credit score has already gone down by XXXX points.
Consumer complaint received 2022-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I recently called in and requested a deletion of all inaccurate addresses that are listed on my credit report and it seems that all but two of them were deleted. As of XX/XX/2022 XXXX is the only bureau reporting these addresses that I have never lived at. 

On the call, I was told all inaccurate addresses, especially those that are not and have never been tied to any accounts of mine, would be deleted within XXXX XXXX and again, months later they still have not been deleted.
Consumer complaint received 2022-10-04
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

The credit bureaus refused to provide their MOV ( Method of Verification ) for the XXXX Collection with ( ARS ACCOUNT RESOULUTION SERVICES ) listed on my credit report according to FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) which states : if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of the information contacted in connection with such information, and the telephone number of such furnisher, if reasonably available. FCRA 611 ( a ) ( 7 ), which is used for such a request, states : A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. They have deleted it off my XXXX Report but wont delete off XXXX, or XXXX. They haven't provided any information at all showing the debt belongs to me no Contractual agreements or my wet signature showing me responsible for the debt or this account.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NC)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ME)

During XX/XX/XXXX through XX/XX/XXXX, XXXX is reporting that I am anywhere from thirty days to one hundred eighty days past due, while I was in Forbearance with XXXX dollars owed. They reported this on XXXX accounts. I have sent certified letters requesting statements showing I owed money, they never sent me anything. I asked for an account detail and only get from XXXX to current. XXXX acknowledges that the reporting is incorrect every time I call ; however, every dispute I file with the credit reporting agency, XXXX says the reporting is correct. I have now recorded my full conversation with XXXX for proof. I can't get approved for a home loan or anything. I've been fighting this for years. According to the XXXX reporting I would have defaulted on my loans, thus not being able to receiving further funding. The DOE shows I have never been late on one single payment since I took out my first loan in XXXX. I'm asking for assistance as this is costing me loads of money in interest and the ability to own a home. This is unjust after fighting XXXX years.
Consumer complaint received 2022-10-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: JPMORGAN CHASE & CO. (FL)

Chase Bank has refused to review a multitude of evidence, including receipts, XXXX information, XXXX information, and general lack of compliance from the company in questions. Responses have been minimal. The banking team does not reach out to inform of any decision or provide updates, only to acknowledge that they are " looking into the situation '' This was reported 6 months ago, and reported before the transaction occurred. The response I received was " Sorry, they had enough information to charge you '' then silence. I filled out a XXXX  and company responded to say they would look into it, only to receive incomplete data and zero correspondence. The chase bank team then said it was worthless to fight because the company was too large. The other company has admitted fault and issue. They have not been able to provide straight data the entire time of correspondence, issuing a wide variety of excuses as to why the information did not match or simply stated " They cant find it ''. There are also noted security issues as relayed to XXXX and proper authorities. Based on correspondence it seems they are trying lose or deter my interests by prolonging the bureaucratic system.
Consumer complaint received 2024-10-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL (AR)

The company continues to report to the credit agencies after stating this account was fraud. I contacted them while I was living abroad when I pulled my credit report and notice an account I had previously closed with them had been reopened. After investigating they determined it was fraud now a year later they continue to harass me and request over XXXX XXXX  that I do not owe nor did I charge I was in XXXX XXXX and provided that information to them. At this point this is harassment according to U.S. Code 1692c they have no authority to do this. they are reporting false info to credit agencies its not right
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (UT)

XX/XX/year> Subject : XXXX XXXX XXXX Equifax for Failure to Correct Inaccurate Late Payment Reporting. 
To Whom It May Concern : I am filing a formal complaint against Equifax for its failure to correct inaccurate information regarding late payments reported on my credit report for account XXXX XXXX XXXX, account number XXXX. Despite multiple requests for correction ( letters dated XX/XX/year> ), my requests have been ignored. This ongoing inaction constitutes a violation of both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
FCRA Violations Under 15 U.S. Code 1681i, credit reporting agencies are mandated to ensure the accuracy of information within consumer files. The continued reporting of erroneous late payments on my account by Equifax directly breaches this legal requirement. Furthermore, 15 U.S. Code 1666b mandates creditors to send periodic statements at least 21 days before the payment due date. The inaccurate late payment reporting on this account suggests a failure to comply with this statutory requirement. 
TILA Violations The Truth in Lending Act emphasizes the necessity of accurate and timely disclosures to consumers. The misreporting of late payments on my account has directly harmed my creditworthiness, which TILA aims to protect.

Protection Against Non-Payment of Obligations Act ( PAANL ) This act highlights creditors ' responsibility to provide timely statements, preventing unfair penalties to consumers. The continued inaccurate reporting violates this protection, unjustly affecting my financial stability. 
Payment History and Errors Across Credit Bureaus Equifax shows incorrect entries in my payment history : XXXX : Erroneously reported as 30 days late. 
XXXX : Marked incorrectly as 60 days late. 
Days Late - 7 Year History : Equifax has also listed two 30-day and one 60-day late entries, despite previous disputes indicating these are inaccurate.

Lack of Resolution Since Previous Dispute Despite submitting multiple disputes, each bureau has continued to report these errors without change, damaging my creditworthiness and violating my rights under the FCRA and TILA. The inaction on these inaccuracies has resulted in ongoing harm to my credit profile and financial stability.

Desired Resolution Immediate Removal : I am formally requesting the immediate removal of all inaccurate late payment notations from my credit report, including assurances of corrected and accurate reporting across all three bureaus. 
Written Confirmation : Please provide written confirmation of these corrections once the inaccuracies are removed. 
If this issue is not resolved promptly, I will escalate my complaint, potentially involving legal action and further complaints with appropriate consumer protection agencies. 
Thank you for your attention to this matter. I look forward to a swift and accurate resolution. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-11-16
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. (TX)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or list of inquiries 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 2022-10-04
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (CO)

I applied to a Colorado XXXX state program and they paid Freedom Mortgage {$17000.00} to bring the mortgage current on XX/XX/XXXX. Freedom Mortgage cashed the check, and put the funds into suspension. They have refused to apply the funds to the mortgage balance and are attempting to make me pay over {$19000.00} to bring it current ( additional interest, fees, and the new monthly payment ) and threatening to take my home. The state paid everything that was past due. Freedom Mortgage is stating they dont have to apply those funds because those funds are their own and not he state didnt pay this. They in fact did. Theyve stolen funds from the state of Colorado and are attempting to steal additional funds from me disguised as interest and fees and providing negative credit information as a result.
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Global Lending Services LLC (IL)

I am writing this complaint to GLOBAL LENDING SERVICE about the reported unauthorized inquiry on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified.My address is XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and I go by XXXX XXXX XXXX. My birthdate is XXXXThe FTC report number related with this complaint is XXXX .I have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.
Consumer complaint received 2023-11-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am reporting misleading information. There is no filing this complaint for falsely third party involved. Please review the uploaded letters.
Consumer complaint received 2022-10-03
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: U.S. BANCORP (IL)

This is my 3rd time filing a complaint in regards to my credit reporting for my US Bank Mortgage. In my previous complaints, US Bank acknowledge that I was given false information and agreed to suppress XXXX and XX/XX/2022 payments. But they did not address the negative reporting of XX/XX/2022 payment and as this payment was also due to the false information that was given to me, the negative reporting for XX/XX/2022 should be suppressed too. The fact that US Bank continues to drag this on is very concerning. It shows that this company does not care about its consumer and will just say anything to get you off the phone. As to save time I have attached the previous disputes and screenshot of my credit report showing the negative reporting for XXXX. Please remove all negative reporting for XXXX, XXXX, and XX/XX/2022.
Consumer complaint received 2022-10-05
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. (MS)

My name is XXXX 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 2022-10-05
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. (GA)

WHEN I WENT TO GO PURCHASE MY VEHICLE I WAS TOLD THAT MY CREDIT REPORT WILL ONLY BE PULLED BY THE ACTUAL COMPANY ... I NEVER AUTHORIZED FOR ANY OTHER COMPANY TO PULL MY CREDIT OUTSIDE OF XXXX 

XXXX XXXX XXXX XXXX XXXX