davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-02-09
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: FIFTH THIRD FINANCIAL CORPORATION (ME)

I purchased a car and it was financed through 5th 3rd bank in XXXX, OH. My last payment was XXXX XXXX, XXXX. In XXXX XXXX, I pulled the last 2 coupons and paid the last 2 payments. My payments have always been on time throughout the loan. 
On XXXX XXXX, XXXX ( yesterday ), I received a call from the bank ( a male ) saying that I still owed {$250.00} on the car and I explained that I had made every payment and had the coupon stubs to prove it. He said that they never put the last coupon in the book and that I still owed this one payment. I thought it was a scam so I got mad and hung up. I filed a complaint with my local Attorney General 's office immediately. This morning, XXXX XXXX, I got another call from the bank stating that I owe this money and I told her that I had filed a complaint. I also explained to her that I had completed ALL my payments and did not owe them anything. 
I do have the empty payment book with the stubs where the coupons have been pulled to the end and there was no information at the end of the payment book stating that the last coupon would not be found in the book. 
My credit is impeccable and I am very upset by this seemingly unethical practice of this bank. I am concerned that they will not release my title until they get this " extra '' payment ( which is definitely not owed them ).
Consumer complaint received 2023-07-13
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: Experian Information Solutions Inc. (LA)

I found the following unauthorized inquiries on my credit reports. I have been the victim of identity theft. Please investigate and remove the following items : XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX CA XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2023-07-13
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: EQUIFAX, INC. (FL)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX  XXXX XXXX Balance Owed : {$100.00} ; XXXX  XXXX XXXX Balance Owed : {$510.00}.
Consumer complaint received 2023-07-13
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: Experian Information Solutions Inc. (CA)

I recently pulled my report and saw that there are accounts appearing that I am not aware of where they came from. Below are the accounts appearing : XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I also attached a copy of my FTC complaint pertaining to these accounts.
Consumer complaint received 2023-07-13
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: EQUIFAX, INC. (NY)

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 U.S.C 1681. ACCOUNT Name : XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXXXXXX XXXX, and XXXX XXXX XXXXXXXX XXXX. 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 an 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 2023-07-13
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. (AR)

Regardless of my previous request, the XXXX credit bureaus neglect to fixed my credit accounts. With this situation, I want you to assist me in correcting the accounts immediately. It has come to my attention that the XXXX credit bureaus have unlawfully disclosed my personal and private information to unauthorized third parties. I demand an immediate investigation into these violations based of the FCRA Section 605b. The following items should be corrected immediately : XXXX XXXX XXXXXXXX Balance Owed : {$270.00} ; XXXX XXXXXXXX Balance Owed : {$1300.00}.
Consumer complaint received 2017-08-24
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Convergent Resources, Inc. (NY)

XXXX, a debt collector for XXXX sent mail to me concerning payment that they claim I owe. The debt is for a bill they claim I owe XXXX for service received in XXXX XXXX. The first I have heard of this debt was when XXXX contacted me, which was in XXXX of XXXX. I contacted the New York Better Business Bureau on XXXX XXXX. They referred me to Consumer Financial Protection Bureau -complaint number-XXXX- This was my complaint : I do not agree with the bill sent to me by a XXXX XXXX for XXXX XXXX for services rendered to me almost five ( 5 ) years ago ; especially since I did not live at the location at the time of the billing which I can prove.t. I resent that they waited that length of time to contact me ; and not personally, but through a collection agency. I have tried to fix the issue with Better Business Bureau.
Consumer complaint received 2023-07-13
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: Experian Information Solutions Inc. (OH)

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX has violate

d 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
Consumer complaint received 2023-07-13
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. (CA)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update it immediately in my report : XXXX XXXX XXXX XXXX XXXX. Also, I want these late payment deleted from my account within 15 days, these are not mine, I'm not aware of these, Under USC 1666b. See the documents attached. XXXX XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the banks customer service representative.
Consumer complaint received 2016-06-03
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company (TN)

The 3rd week of XXXX XXXX, Freedom Mortgage XXXX, notified us we were short on XXXX Escrow. The shortage was caused by an increase in the home owners insurance premium, which we were not notified of. We changed insurance companies, which resulted in the premium going down {$500.00} for the year. The old insurance caused a shortage of {$1600.00}, we overnighted the full amount to the XXXX office, per the instruction of the company. We call a few business days later to see, if the check was placed in the XXXX Escrow account. We ask if they had the new insurance company information and new payment schedule. 
We requested the new amount for the monthly mortgage payment with the corrected escrow. We were told the XXXX Escrow check was supposed to be mailed to XXXX. As of today the {$1600.00} funds have never been correctly deposited to the XXXX Escrow account, despite the memo on the check specifically state " XXXX Escrow. '' We paid a {$600.00} house note, which was sent to Escrow for unknown reasons. The XXXX Escrow has never been figured, so to date after trying to the right thing for 8 weeks, we have made ZERO progress. We have called at least once, if not twice a week to see what updates have been made. We rarely if ever are able to transferred to a supervisor. We have yet to talk never talk to same person or the same office. I do n't know they just have bad business practices or what. Freedom Mortgage has not returned any of the phone calls as promised. We have a VA ARM loan and on paper it is a great deal, we strongly suspect the mortgage company is not making any money on the loan, so they are trying to force us into a conventional loan against own will. They also send us information on their conventional loans a min of weekly.
Consumer complaint received 2023-07-13
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. (MS)

XXXX account was charged off. Still reporting on credit report with a balance. The account and charges are not mine I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715 719 I May Presume that no proof of the alleged Debt, nor therefore any such debt in fact exists.
Consumer complaint received 2024-10-12
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: NAVY FEDERAL CREDIT UNION (VA)

Opened up an account with Navy Federal Credit Union ( NFCU ) about 2 months ago. Recently while on the website, there is a tab titled " MakingCents '' that I attempted to try, but received a message stating I did not have access due to account status. After inquiring as to what that " account status '' was, I was told it was due to bankruptcy flags. I called to see why this was, as NFCU was included in a bankruptcy filing back in XXXX ( discharged in XX/XX/XXXX ). After some addtional discussions/ emails I was told " Currently, we have seen that bankruptcy statuses do cause interference with the " My MakingCents '' feature, and our technical support team is looking into ways of resolving this for our members. At this timeframe, there is not a way to bypass the access inability, and will need to wait to see if an update allow access in the future. '' My bankruptcy has been discharged. I should no longer have any " flags '' or " alerts '' or be denied access to any services ( I believe this is a violation of federal law ).

It does not seem that there is any urgency on the part of NFCU to resolve this or an understanding of the impact it may have.
Consumer complaint received 2023-07-13
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

The Fair Credit Reporting Act gives me the opportunity to dispute any information on my credit report that I believe is inaccurate. This law requires all data included in a consumer 's file be documented and validated before it can go live for use by creditors, so I take this seriously! The allegations of delinquency and derogatory information against me are false. I will fight back with all my strength! However, I request evidence that shows why my accounts are considered to be in a negative state. The proof of a permissible purpose for the inquiry or account within my report must be included. This letter serves as notice that you are not doing your job properly. It is imperative for this issue to be resolved immediately or else there could potentially be serious consequences, so I'm giving you 30 days from now ( the date of delivery ) in which time hopefully everything can become clear and correct itself with no need for intervention or escalation! I would like to receive physical proof of your actions and my updated credit report.The listed claims appear to be inaccurate. Please provide accurate and verified information for each claim, as the allegations are not true or I'll delete them immediately if that is indeed the case!
Consumer complaint received 2023-07-13
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: Resurgent Capital Services L.P. (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. 

I told the XXXX, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX LVNV FUNDING LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case
Consumer complaint received 2023-07-13
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: EQUIFAX, INC. (TX)

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX, XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXXXXXX Balance : {$2400.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX {$2100.00} XXXX XXXX XXXX XXXX XXXX Balance : {$35000.00} XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX XXXX XXXX : {$350.00} XXXX XXXX XXXX XXXXXXXX Balance : {$86.00} XXXX XXXX XXXXXXXX Balance XXXX {$250.00} XXXX Inquired on XXXX XXXX, 2022
Consumer complaint received 2017-08-24
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Comerica (NY)

my XXXX debit card ending in XXXX, cvv # XXXX, exp XX/XX/XXXX had an unauthorized charge/deduction from my checking account/debit card on XX/XX/XXXX at XXXX XXXX   est. I was in the city of XXXX, Illinois simply visiting on my way back to new York a few days later. However, when I pulled up my accounting ledger from XXXX XXXX/XXXX XXXX it clearly showed the reason that my account balance is not balanced ; the balance is off by $ XXXX {$150.00} than what it should be. In other words, my current balance should be about {$150.00} higher than what it is currently showing with the monies missing, which I did not charge nor authorize that deduction, either. That unauthorized charge from my XXXX debit card ending in XXXX, cvv # XXXX, exp XXXX is from merchant : XXXX, XXXX, XXXX, CA, PURCHASE, {$99.00} ( XXXX XXXX DOLLARS AND XXXX XXXX CENTS ). I DID NOT AUTHORIZE THAT CHARGE AND DID NOT MAKE THAT CHARGE MYSELF EITHER!! I simply want those stolen monies from my XXXX debit card returned back to me because I AM ON XXXX VIA U.S. SOCIAL SECURITY ADMINISTRATION IN XXXX D.C. AND I RECEIVE MY XXXX ONCE PER MONTH DEPOSITED TO MY XXXX DEBIT CARD. THE FIXED INCOME I RECEIVE IS ALL I HAVE TO LIVE ON TO SURVIVE. I LIVE IN POVERTY AND AM A TRANSIENT. I CAN NOT AFFORD TO HAVE SCOUNDRELS STEALING FROM ME! THE NUMBER FOR U.S. SOCIAL SECURITY ADMINISTRATION IS XXXX. I HAVE ATTEMPTED TO CALL THEM BUT WAS UNABLE TO FOR TODAY. I WILL TRY AGAIN TOMORROW. HOWEVER, I SIMPLY WANT THOSE MONIES PUT BACK ON MY CARD. MY XXXX IS A DEBIT CARD ; IT IS NOT A CREDIT CARD!!!! THIS IS THE RESPONSE I RECEIVED FROM XXXX : Thank you for your inquiry. XXXX does not issue credit or payment cards. Please contact the issuing bank at the toll free number on the back of your card in order to resolve this issue. Please also note that we have removed your card number and CVV code in order to further protect your identity and payment card. 




Investor Relations XXXX XXXX XXXX XXXX XXXX, NY XXXX tel XXXX ... I SIMPLY WANT THE IDENTITY THIEVES PROSECUTED AND BLOCK THEIR ACCESS TO MISUSE MY BANKING DATA AND PERSONAL INFO. THANKS. XX/XX/XXXX
Consumer complaint received 2016-10-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I submitted evidence/proof that my account from XXXX was never paid late., and that It was an error on the creditors part. My Bill was paid ON TIME, never late. The creditor failed to apply my funds in the way directed. All parties are aware of this fact. The credit bureau failed to do a proper investigation and refused to remove the incorrect information from my credit profile which has caused personal hardships.
Consumer complaint received 2023-07-13
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: EQUIFAX, INC. (PA)

on XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
15 U.S. Code 1681s-2-Responsibilities of furnishers of information to consumer reporting agencies ( a ) duty of furnishers of information to provide accurate information 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. 
15USC 1681a @ ( A ) ( I ) Exclusions- except as provided in paragraph ( 3 ), the term consumer report does bot include -- ( A ) Subject to section 1681s- 3 of this title, any I demand the following accounts be verified or deleted immediately. 

XXXX XX/XX/XXXX late payment reverse XXXX XX/XX/XXXX please remove XXXX remove account inaccurate information not on all XXXX XXXX XX/XX/XXXX remove account XXXX XXXX late payment reverse all 4 of them Inquiry ; XXXX XX/XX/XXXX Inquiries remove XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2023-07-13
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. (TN)

I recently submitted a request for an investigation of the disputed account, Since I believed Experian and XXXX Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since Experian and XXXX CREDIT BUREAU 's investigation was done improperly, Experian and XXXX Credit Bureaus must update listed account from my file. 
XXXX XXXX Balance Owed : {$10000.00}.
Consumer complaint received 2023-07-13
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: EQUIFAX, INC. (AR)

Regardless of my previous request, the three credit bureaus neglect to fixed my credit accounts. With this situation, I want you to assist me in correcting the accounts immediately. It has come to my attention that the three credit bureaus have unlawfully disclosed my personal and private information to unauthorized third parties. I demand an immediate investigation into these violations based of the FCRA Section 605b. The following items should be corrected immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-13
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. (CA)

I want these late payments deleted from my accounts within 15 days, these are not mine, I'm not aware of these, Under USC 1666b. See the documents attached. XXXX XXXX XXXX and XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the banks customer service representative.
Consumer complaint received 2023-07-13
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. (CA)

I received my credit report XX/XX/2023 and notice there were hard inquiries that don't have permissible purpose to be on there. These hard inquiries are hurting me from getting approved. I already reached out to the credit bureaus about about this multiple times they keep violating my right under 15 USC 1681b. I also have attach the hard inquires that don't have no purpose to be on my credit report.