davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-17
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: JPMORGAN CHASE & CO. (TX)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, # 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
Consumer complaint received 2022-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

A company named " XXXX '' is the payment servicer for the US Department of Education. On XX/XX/XXXX, XXXX cashed my full {$7700.00} student loan payment. United States postal service sent me a copy of the signed delivery confirmation upon delivery to the XXXX payment center located at XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. As of today, XXXX, the financial payment service for the United States Department of Education claims my student loan payment is " unable to be located. '' I have shared the original copy of the XXXX employee 's signature on the delivery confirmation and the XXXX employee 's signature on the payment receipt for cashing my {$7700.00} payment. It is shameful that XXXX is illegally reporting student loans as outdated collections on credit reports after cashing customers ' checks for nearly XXXX XXXX dollars. After cashing my student payment of {$7700.00} XXXX refuses to correct my credit file to report the status as " paid in full. '' Per the police department 's advice, since the payment is signed for and cashed by a XXXX employee, I filed a police report with the XXXX XXXX Police Department. A copy of the XXXX XXXX Police report to XXXX, the US Department of Education, and the credit reporting agencies on XX/XX/2022.
Consumer complaint received 2022-11-10
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: TOYOTA MOTOR CREDIT CORPORATION (AZ)

I extended my consumer credit and was denied. 
I provided a Promissory Note in the form of an application. I gave my personal credit information to facilitate the extension of credit. 
Given extortionate loan terms, asked for a down payment, and a co signer, on a credit transaction that includes a finance charge. 
Did not disclose the use of my credit to obtain credit. 
Did not disclose the security interest of the instrument provided, i.e credit application. 
In in possession of said instrument. And is not extending my benefits toward the credit purchase of the household goods. I.e. vehicle. 
Misuse of credit card. ( SSN )
Consumer complaint received 2023-02-17
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: ACXIOM CORP. (CA)

Under 15 USC 1681 of consumer laws, a company must adhere to certain guidelines when charging off an account and reporting it to the IRS, as well as reporting late payments. If an account has been closed and charged off, and a request for a 1099c was made, the company must comply with the request.

Additionally, if the company has put the account back on the consumer 's credit report without authorization, this may constitute a violation of the Fair Credit Reporting Act. Only authorized credit reporting agencies may make such changes to a consumer 's credit report. 

In this case, it appears that XXXX and XXXX has acted outside of its authority by putting the account back on the consumer 's credit report. The consumer may have grounds for disputing this information with XXXX and seeking its removal from their credit report under the Fair Credit Reporting Act.
Consumer complaint received 2023-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Early Warning Services, LLC (SC)

I submitted documents to early warning services about the bank account open in my name at XXXX XXXX  and XXXX XXXX XXXX XXXX XXXX. I already mailed to early warning services a month ago including a police report, fraud adavitt, and signatures of mine notarized and sent to early warning services they did the investigation and found it was accurate. This was not right. I am not the owner of this account it was open fraudulently.
Consumer complaint received 2023-02-17
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. (SC)

These inquiries on my Experian credit report I don't recognize. 


XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (NJ)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX XXXX XXXX XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2022-11-09
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Westlake Services, LLC (CA)

I have a loan from Wilshire Consumer Credit for XXXXXXXX XXXX  installation. On XX/XX/XXXX, I contacted them and requested a payoff quote. The loan was paid in full on XX/XX/XXXX. After that, I contacted them to request a XXXX release and noticed the balance of {$22.00}. The person helping created a ticket that takes XXXX hours to review. Time passed by, but I didn't receive any responses. On XX/XX/XXXX, I contacted them again. The person named XXXX placed me on hold and disconnected the phone line. I called back, and the person helping responded that the balance was {$55.00} because I underpaid the loan. After explaining that the payment was based on the payoff quote, he transferred the line to his supervisor. XXXX ( supervisor ) was very nice to tell me that the balance is {$22.00} and it is a late fee. I asked to waive the fee since I paid the full balance of {$27000.00}, but his response was shocking. He can not waive the late fee since they received the payment on XX/XX/XXXX.
Consumer complaint received 2022-11-09
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: ALLY FINANCIAL INC. (CA)

I have received a six years loan from Ally Auto Finance on my XXXX XXXX XXXX and I paid off my loan completely. But before I paid my loan I requested two extensions during XXXX that were delayed and the manager did not call me back and later did not grant the extensions. Ally delayed the extensions and as no manager called me back they accumulated late fees, and on top of the late fees they accumulated more late fees, right now are at over {$250.00} and growing. Ally instead fraudulently collected more late fees and withheld my pink slip to try to repossess a paid off loan. I asked for my title and pink slip at least 10 times, but Ally refused to send me my title. The XXXX XXXX speaking representatives always lied to me and even when they promise their managers will call me, no one called me and the still collected more late fees that they added to the loan and that they say I owed. I asked them to remove the late fees and send me my pink slip and they ignored me. Meanwhile they have reported me to the credit bureaus and my high credit score dropped and was damages because of Ally. Ally also blocked me access to details of my loan online and I could not access them to request my pink slip online. This company is evil after I was a good customer for 6 years and paid off my loan they mistreat me and engage in fraud. Please help me!
Consumer complaint received 2023-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

RE : Letter to Remove Inaccurate Personal Information : To Whom This May Concern : I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : Full Legal Name : XXXX XXXX XXXX Address : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, FL, XXXX Please delete all other names and addresses. I can not receive mail or send mail out from any other address other than the one address listed above. Their are incomplete and unknown addresses and phone numbers listed that should not be on my personal credit. Everything is incorrect but the address listed above this paragraph and the phone number listed below this paragraph. 

My only phone number is XXXX Please delete any other phone number as they do not belong to me. I can not send or receive any calls or text messages from any other number than the one listed above.
Consumer complaint received 2022-11-09
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Confusing or misleading advertising or marketing — 
Company: AXOS FINANCIAL, INC. (AR)

DEAR CONSUMER FINANCIAL PROTECTION BUREAU IM REACHING OUT TO THIS AGENY TODAY BECAUSE IM HAVING DELAY PROBLEM ISSUES WITH & XXXX XXXX XXXXXXXX GOES THE BY NAME OF AXOS BANK SO THE CONSUMER CUSTOMER CAN EXPLAIN MORE IMFORMATION ABOUT WHAT TYPE OF PROBLEM ISSUES HE HAVING WITH AXOS BANK REGUARDING DELAY OF MOBILE CHECK DEPOSIT WAS SUBMITTED INTO HIS AXOS MOBILE CHECKING BANKING APP OVER THE PHONE TODAY AFTER THE CONSUMER DEPOSIT MOBILE CHECK DEPOSIT AMOUNT {$2000.00} MOBILE CHECK DEPOSIT RECEIVED CONFIRMATION NUMBER XXXX XXXX EMAIL ADDRESS THE MESSAGE CAME FROM TRANSACTION DATE OF CHECK AMOUNT XX/XX/2022 CHECK TRANSACTION DATE WAS APPORVED ON THE SAME DAY THE MOBILE CHECK WAS DEPOSIT THOUGHT AXOS MOBILE APP ON MY SMARTPHONE TIME CHECK DEPOSIT XXXX AXOS BANK ARE WITH HOLDING THE CONSUMER FUNDS AFTER HE RECIEVE MESSAGE SAYING THE CHECK TRANSACTION AMOUNT FOR {$2000.00} BEEN BEEN RECIEVE & APPROVED THE SAME BUSINESS DAY THE CONSUMER REACH OUT TO AXOS BANK CUSTOMER SERVICES DEPARTMENT TELEPHONE NUMBER XXXX THE AXOS BANK ARE TELLING THE CONSUMER CUSTOMER HE HAS TO REACH XXXX BUSINESS DAYS BEFORE THE FUNDS CAN CREDITED INTO HIS PERSONAL CHECKING ACCOUNT WITH AXOS BANK AXOS BANK ARE REFUSING TO RELEASE MY FUNDS TO MY CHECKING PERSONAL ACCOUNT I HAVE THOUGHT THERE BANK
Consumer complaint received 2024-10-26
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. (CA)

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 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 2022-11-09
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. (WI)

I have disputed this problem for many years and was told that it was accurate after they investigation. But when i can them they don't even have my information. And this all started in the year of 2020, and I been fighting to get it removed off ever since. So, I decided to get help for the police department. XXXX XXXX had me file identity theft report. And said she would investigate the situation and if she finds it to be fraud. she would notify me with a case number. And she did find it to be fraud and gave me a case number # XXXX. so, nothing was done about at the credit bureau it is still on my credit report. Now I'm asking for your help with this matter.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.
Consumer complaint received 2022-11-09
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. (PA)

I am a Consumer that is protected by the laws of the FDCPA & FCRA attached you will find several Violations from the following Credit Agency and I would like to resolve these issues. VIOLATIONS from XXXX, TRANSUNION & XXXX see attached ;
Consumer complaint received 2022-11-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (MD)

This is a new complaint but is related to a prior complaint filed with the Consumer Financial Protection Bureau ( Case number XXXX ). Based on that complaint, I received a letter dated XX/XX/XXXX from XXXX XXXX at XXXX Customer Care. When I called XXXX XXXX, she said that XXXXXXXX XXXX is not responsible for the actions of their agent LoanCare, and that I should file a complaint with them. Unfortunately, LoanCare was hired by XXXX Bank to service the insurance portion of XXXX mortgage business, and my contractual relationship is with XXXX Bank, not with LoanCare, so I am again filing a complaint with XXXX Bank. 

In summary, back in XX/XX/XXXX my home was without flood insurance coverage for 21 days because LoanCareXXXX TOOK ALMOST A MONTH AFTER RECEIPT OF THE FLOOD INSURANCE INVOICE FROM MY NEW CARRIER, TO PAY IT. Per XXXX XXXX letter, On XX/XX/XXXX, LoanCare received the signed application from XXXX XXXX and acknowledged the standard 30-day waiting period. Further, it says LoanCare disbursed {$1200.00} from your escrow account to pay for this policy on XX/XX/XXXX and the payment was received by XXXX XXXX on XX/XX/XXXX. I do not dispute any of the facts or dates in her letter and agree that I was without insurance for 21 days. However, what I want XXXX and LoanCare to understand is that I was without insurance for 21 days because LoanCare/XXXX did not pay the invoice on time. 

XXXX deducted from my escrow account {$430.00} for insufficient coverage charges for 21 days, even though it was through their negligence in not paying the invoice that insurance could not start on XX/XX/XXXX as originally anticipated ( there is a 30-day standard waiting period as already stated ). The cost of 21 days of insurance coverage should only have been {$74.00} ( my annual premium is $ XXXX days ). Therefore, I am disputing the additional {$360.00} I was charged ( {$430.00} {$74.00} = {$360.00} ). 

Yes, I acknowledge that there was a lapse in coverage, but it was caused because LoanCare/XXXX  failed to pay the carriers invoice until almost 30 days after receipt of the signed paperwork from the insurance company.
Consumer complaint received 2022-11-09
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)

I am a Consumer that is protected by the laws of the FDCPA & FCRA attached you will find several Violations from the following Credit Agency and I would like to resolve these issues. VIOLATIONS from XXXX, XXXX & EQUIFAX see attached ;
Consumer complaint received 2022-11-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (NV)

My mortgage company includes my child support in my payment. I have explained multiple times, including sending documentation that I do not receive my child support but, only about three times a year. During this year since inflation hit I have been struggling to make my payments. I spoke with the company on XX/XX/2022 first thing in the morning speaking to representative XXXX along with XXXX XXXX who has been helping me with this situation. During that phone call, XXXX told us both that I had to have {$4000.00} before XX/XX/2022 to stop the foreclosure. I sent the amount on XX/XX/2022 and it cleared my bank on XX/XX/2022. I was never given a reinstatement letter, which I had no idea what it was until today when my payment was again returned. I called and spoke with XXXX who told me that XXXX on XX/XX/XXXX, gave me an incorrect amount and now I have to come up with {$6300.00} by XXXX XXXX They are charging me late fees even though I was given an incorrect amount. I am on the phone with them again with XXXX to get information on the reinstatement letter and modification paperwork. Now telling me by third representative that the amount XXXX, that the information given in the XXXX phone call was nowhere correct and it is documented nowhere in there system. I was on the phone for 1 hour and 4 minutes without reaching anyone who could help me. A second reinstatement amount was given for {$6100.00} that has to be received by XX/XX/2022, that I will not be able to come up with. It was openly admitted that I received totally incorrect information from their representative.
Consumer complaint received 2022-11-09
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: EQUIFAX, INC. (AL)

i I am submitting this XXXX XXXX XXXX without any influence and this is not a third party. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Consumer complaint received 2022-11-09
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. (MI)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-11-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Frontline Asset Strategies, LLC (AL)

Calls are coming everyday for someone else. Calls during working hours when I can't answer. I was able to answer today and they hung up on me. My wife has called 3 times. First time she was told they were looking for a woman and not me. They marked it as wrong number. The last two were to get them to stop. The last call was today XX/XX/2022 and they got rude and hung up after stating it would stop in 24 hours because she told them if it doesn't stop we will file harassment charges.
Consumer complaint received 2022-11-09
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: BMW Financial Services NA, LLC (FL)

Upon checking my credit report, I notice an account from BMW Financial Services that I believe is not being reported correctly on my credit report. On XX/XX/2022, I sent them a certified letter informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account. After not hearing from them for more than 45 days, I sent another certified letter on XX/XX/2022, ( See Attached ), again requesting that they provide me with the information they were using to prove the accuracy of my account. I also sent certified letters to the three credit bureaus ( See Attached ), along with my incident report ( See Attached ), asking them to verify or remove the negative report on my credit report that BMW Financial Services were reporting. So far, I have not gotten a response from them either. As you can see, I have been dealing with this situation for several months with no success, so I am writing to you for help me with this matter.