davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TN)

I received a copy of my credit report and found the following item listed below to be an error. 

XXXX OPEN DATE : XX/XX/year> - ACCT # XXXX Pursuant to XXXX XXXX XXXX A creditor may not treat a payment on a credit card account under a consumer credit plan as late for any purpose unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21days before the payment due date. I NEVER gave EXPERIAN Reporting Agency OR XXXX  any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b ( 2 ). EXPERIAN Credit Reporting Agency has caused severe stress and anxiety due to its abusive and unfair practices. This is a violation of 15 U.S. Code 1692 ( a ) Abusive Practices,15 U.S. Code 1681b ( 2 ), and 15 USC 1666b to which there exists liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for $ 1k per violation, for unauthorized credit reporting listed without my expressed written consent.
Consumer complaint received 2024-10-01
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. (TN)

I received a copy of my credit report and found the following item listed below to be an error. 

XXXX OPEN DATE : XX/XX/year> - ACCT # XXXX Pursuant to 15 USC 1666b A creditor may not treat a payment on a credit card account under a consumer credit plan as late for any purpose unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21days before the payment due date. I NEVER gave EQUIFAX Reporting Agency OR XXXX  any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b ( 2 ). EQUIFAX Credit Reporting Agency has caused severe stress and anxiety due to its abusive and unfair practices. This is a violation of 15 U.S. Code 1692 ( a ) Abusive Practices,15 U.S. Code 1681b ( 2 ), and 15 USC 1666b to which there exists liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for $ XXXX per violation, for unauthorized credit reporting listed without my expressed written consent.
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I received a copy of my credit report and found the following item listed below to be an error. 

XXXX OPEN DATE : XX/XX/year> - ACCT # XXXX Pursuant to 15 USC 1666b A creditor may not treat a payment on a credit card account under a consumer credit plan as late for any purpose unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21days before the payment due date. I NEVER gave TRANSUNION Reporting Agency OR XXXX any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b ( 2 ). TRANSUNION Credit Reporting Agency has caused severe stress and anxiety due to its abusive and unfair practices. This is a violation of 15 U.S. Code 1692 ( a ) Abusive Practices,15 U.S. Code 1681b ( 2 ), and 15 USC 1666b to which there exists liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for $ 1k per violation, for unauthorized credit reporting listed without my expressed written consent.
Consumer complaint received 2024-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

My credit score has been severely impacted by a fraudulent account that recently appeared on my report without my authorization. This single account is causing significant damage to my credit standing, creating an inaccurate reflection of my financial history.
Consumer complaint received 2024-09-11
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: American Credit Acceptance, LLC (FL)

American credit acceptance bought my contract from XXXX XXXX XXXX in XXXX FL. The price of the vehicle was {$15000.00}. After taxes, fees, etc my total finance price was {$18000.00}. I put down {$3100.00} which brought my total owed to {$14000.00}. I made XXXX {$200.00} payments then called and put down another {$3000.00} which brought my total to {$11000.00}. Continued making payments per usual for about 2 months. {$200.00} every XXXX weeks for a total of {$800.00} which brought my total down to {$11000.00}. Without my knowledge American credit acceptance bought out my contract. I had no notice, no one called me, no one sent a letter, nothing. I call XXXX auto mall after a month wondering maybe they haven't taken my payments out because I was so positive in my total owed. They informed me they bought my contract and they should've contacted me. I called American credit acceptance and they informed me they can't find my account and they would call me back. I called several times to no avail. Finally about a month later I received my first letter from American credit acceptance FINAL WARNING! Before Repossession! This letter stating I owe {$800.00} and I need to make payment now. I call and explain the situation where they magically found my account now. I paid them {$200.00} and said I can only make {$200.00} every XXXX week payments because I have XXXX kids and bills are high. 

Last payment to dealership : XX/XX/XXXX Description : Post Payment Amount {$200.00} First payment to American credit acceptance : XX/XX/XXXX Description : Post Payment Amount {$200.00} A little over a month between my payments I got so behind only being able to make payments of {$200.00} every XXXX weeks, so around XXXX time I'm on the phone stating I don't understand how I owe so much money and I really need to get my account back in good standing. They offered me an extension. After that extension was approved I made XXXX payments XX/XX/XXXX Description : Post Payment Amount {$500.00} XX/XX/XXXX Description : Post Payment Amount {$500.00} I have been making payments on time every XXXX weeks no issues. I totaled up my payments with American credit acceptance {$16000.00} XXXX with desoto auto mall. I have paid XXXX so far for a {$15000.00} car and still stating I owe {$5600.00}. The car has no air and Ive spent so much money trying to fix it to no avail. No one will buy the car. I tried to trade in and they wont take the car. I don't understand why I am still paying on this loan when I already paid my total and then some. American credit acceptance has offered no help. Only stating I can do a voluntary repo or sell the car.
Consumer complaint received 2023-11-21
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. (SC)

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 filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2020-05-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

As the attached screen shots from the Bank of America website show, I scheduled the mortgage payments in late XX/XX/2020 for XXXX XX/XX/2020 and have sufficient funds in the checking account for those payments. 

However, as of XXXX XX/XX/2020 BoA has not properly credited the payments. In my opinion, this is simply part of BoA 's consistent policy to provide poor service and then assess 'fees ' so they can steal, in my opinion, money from the customers. 

I would NEVER willingly do business with BoA ; BoA bought these mortgages and I have NO RECOURSE other than expensive refinancing to get rid of them. 

I've paid mortgages on my homes and rentals for over 40 years and the trouble I've had with BoA in the few years they've 'serviced ' these mortgages is greater than all the problems in the past 40 years. 

In my opinion, many of the senior people should be thrown in jail.
Consumer complaint received 2020-05-04
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THAT THERE IS AN ACCOUNT THAT SHOWS LATE PAYMENT HISTORY WHICH IS IN ERROR. 
I HAVE SENT DISPUTE LETTERS ON XXXX20, XXXX20, XXXX20, AND XXXX20, BUT TO DATE I HAVE NOT RECEIVED ANY RESPONSE FROM YOUR COMPANY. YOUR FIRM COMMITTED FOUR 30 DAY VIOLATIONS IN DIRECT VIOLATION OF THE FCRA STATUTES.

ALSO, THERE IS AN ACCOUNT REPORTING LATE UNDER, THE ACCOUNTS TO AMEND, WHICH SHOULD BE AMENDED TO SHOW, NEVER LATE.
Consumer complaint received 2020-05-03
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

( 103 true Identity theft ) I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft Please block this information from report XXXX File Number : XXXX Experian Report Number : XXXX XXXX Report Confirmation Number XXXX ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX DATE OPEN : XX/XX/XXXX ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX DATE OPEN : XX/XX/XXXX I recently found i was involved in the XXXX Breach of XXXX i was very scared about the news i was eligible to file a clam for what was lost but the process was very long, time consuming and complicated being that i dont have a history in credit or finance i was referred to an attorney who specializes in predatory loans and breach victim compensation after carefully reviewing all 3 of my credit files Ive noticed I have these accounts called and disputed with XXXX Experian & XXXX and this problem never got solve now i'm reaching out to you guys for help!! these fraudulent debt is hindering my ability to apply for credit or even get a first time credit card for people trying to build credit, i don't know where to start or the next step to take to remedy this situation which has caused financial and emotional stress worst part i was denied a job based on negative information on my report, i have been subjected to adverse action pertaining to the CRA 's reporting inaccurate information as a result of fraud am a victim of identify theft and will be placing a FRAUD ALERT on my credit reports.
Consumer complaint received 2020-05-03
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Onity Group Inc. (NC)

I have written to Ocwen on two occasions pointing out they are reporting a 30 late in the Payment Status when the account shows closed with a XXXX balance. This is impossible ... .must be a key punch error. You can't be late when the account is closed with a XXXX balance. The same inaccurate information is reporting on two other accounts. See attached excerpts from the credit report and the most recent letter dispute.
Consumer complaint received 2020-05-03
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Resurgent Capital Services L.P. (IL)

LVNV FUNDING LLC XXXX, SC XXXX Mr. XXXX XXXX, President Mr. XXXX XXXX XXXX XXXX, Vice President Mr. XXXX XXXX, Treasurer Fax Numbers ( XXXX ) XXXX Primary Phone Numbers ( XXXX ) XXXX THIS COMPANY IS REPORTING INFORMATION ON MY CREDIT REPORT AND I HAVE DISPUTED IT SEVERAL TIMES. THEY ARE NOT VALIDATING THE DEBT AND I DON'T RECALL RECEIVING ANYTHING FROM THIS COMPANY REGARDING THIS ALLEGED DEBT. A STATEMENT DOESN'T PROVE OR PROVIDE A CLEAR CHAIN OF OWNERSHIP OF THE DEBT. SINCE LEGAL AND PROPER DOCUMENTATION HASN'T BEEN PROVIDED I AM REQUESTING THEM TO CEASE COLLECTION ACTIVITY AND REMOVE THIS ACCOUNT FROM THE CREDIT BUREAUS .A : LVNV FUNDING LLC never then sent a collection letter to Plaintiff that included the required 1692g validation rights disclosure. 
B : According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract. 
C : The FDCPA ( Fair Debt Collection Practices Act ) specifically prohibits a debt collector from using false, deceptive or misleading representation in connection with the collection of any debt. 15 U.S.C. 1692e
Consumer complaint received 2020-05-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THAT THERE IS AN ACCOUNT THAT SHOWS LATE PAYMENT HISTORY WHICH IS IN ERROR. 
I HAVE SENT DISPUTE LETTERS ON XXXX20, XXXX20, XXXX20, AND XXXX20, BUT TO DATE I HAVE NOT RECEIVED ANY RESPONSE FROM YOUR COMPANY. YOUR FIRM COMMITTED FOUR 30 DAY VIOLATIONS IN DIRECT VIOLATION OF THE FCRA STATUTES. 
ALSO, THERE IS AN ACCOUNT REPORTING LATE UNDER, THE ACCOUNTS TO AMEND, WHICH SHOULD BE AMENDED TO SHOW, NEVER LATE.
Consumer complaint received 2020-02-22
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: WHEELS FINANCIAL GROUP, LLC. (WI)

I took this out and redid 4 years ago I had my XXXX XXXX so had to stop so I lost my job there still adding interest and really affecting my credit even after many years later I dont know how that is legal
Consumer complaint received 2020-05-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: SYNCHRONY FINANCIAL (OK)

I want to establish a payment plan on the Gap card debt but the company is not accessible. They are offering no customer service. When one tries to contact them via telephone there are excessively long wait times and there is never a customer service agent via the online chat feature. The company is making it impossible to work with them and they are offering no assistance for people affected buy COVID-19 related hardship. They are predatory, and just keep harassing for payment. They also closed my account after several years having this card and many years of on time payments. If this isn't resolved to me satisfaction, I am going to report this to XXXX XXXX, my Congressman.
Consumer complaint received 2020-04-13
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. (MI)

On numerous occasions ( XX/XX/XXXX ) ( XX/XX/XXXX ) ( XX/XX/XXXX ) ( XX/XX/XXXX ) ( XX/XX/XXXX ) I have disputed accounts on my credit report that does not belong to me. Explaining I never had an account with these companies and ask for proof to show from their investigation the reason it is reporting. Something I have never received they only continue to update how long it will remain. XXXX and XXXX XXXX are the accounts.
Consumer complaint received 2020-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Transunion continues to charge my ATM card {$24.00} for something I have not authorized.I have tried to call them, but they continue to bounce you around their IVR system. I have tried to reach them online, as I do have a free based service Credit Freeze with them, but it doesn't let me log a complaint because the service I have with them is non fee based. My bank, XXXX XXXX recognizes the charge as unauthorized and quickly credits my account, then places my ATM card on hold. When I call XXXX XXXX they tell me this happens all of the time with Transunion and XXXX XXXX issues me another ATM card with a different card number. Less than a week later Transunion issues another charge to the new ATM card number. Please help to get Transunion to stop billing {$24.00} for something I have not authorized.
Consumer complaint received 2020-04-13
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: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

All of the below account inquires for credit are fraudulent. I am a fraud victim and have multiple warnings and safeguards but Im still experiencing breaches since XXXX. 
US SM BUS ADMIN ODA Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Business. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online BK OF AMER Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 


Not disputable online XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX Real Estate on behalf of XXXX XXXX XXXX  XXXX. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Real Estate. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX/XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX Credit Granting. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online BK OF AMER Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX.
Consumer complaint received 2018-12-27
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Risecredit, LLC (IL)

I received a pre-approved offer from this bank which lied about the APR. They told me what the rate would be, and it is way higher than Illinois ' 26 % APR. I never authorized the hard inquiry and did not accept any loan from them. They have been spamming my email and I had to block them. 

I have called Rise and they said there was nothing they could do. I would like them to remove their hard inquiry from my report since they were dishonest about the rates and did do a credit check before telling me their rates. 

Thank you
Consumer complaint received 2024-10-29
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. (GA)

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  Account Number : XXXX Account Name : XXXX XXXX XXXXccount XXXX and 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 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

Please block this information from my report as I have asked them to validate this information and they didn't respond after 3 months of disputes. I am filing this complaint regarding XXXX  continued reporting of inaccurate and unauthorized items on my credit report. Under Section 605B of the Fair Credit Reporting Act ( 15 USC 1681c-2 ), I am formally requesting that XXXX  block these items within four business days due to potential identity theft concerns, as I did not authorize or recognize many of these entries. I have attached my documents.