davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-03
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (NC)

I am a co-borrower on a loan for a new car that my sister purchased in XX/XX/XXXX. The payments for this loan have been paid on time every month up until now with the exception of a late payment in XXXXXXXX XXXX XXXXXXXX. We were both unaware of this late until I was alerted to a change in my credit score in XXXX XXXX XXXXXXXX. When I reviewed my report and discovered the late payment, I contacted my sister who then contacted Nissan Motor Acceptance Corp ( NMAC ) and they discovered that the late payment was a result of the bank not properly processing the payment. We were never contacted by NMAC in XXXX or thereafter regarding the missing payment. Not by phone nor in writing. The payments that were made each month after XXXX were applied to the previous month. I contacted NMAC in writing in XXXX after discovering the reason for the late payment and asked that they remove the late payment since they never contacted us back in XXXX or thereafter to give us an opportunity to make the missing payment prior to reporting a late payment to the credit bureaus. They wrote me back in XXXX advising that they understood the reason for my request but would not remove the late payment. I think it is unfair of them to report a late payment on our account when they never tried to contact us to make the account right prior to reporting a 30 day late payment to the credit bureaus. The account has always been in good standing and we would've corrected the issue right away had we known there was an issue. I would like the late payment removed from the record and confirmation that should any issues with the account arise in the future, that we be contacted first.
Consumer complaint received 2022-08-03
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. (IL)

XXXX accordance with the Fair Credit Reporting act XXXX Account # 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 2022-08-03
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)

Experian has provided false information to the CFPB and myself, the information they provided in a previous CFPB complaint stated they will conduct a reinvestigation, however that was a false statement. How could a reasonable investigation have been completed when the two accounts in question have not been updated?. One of the accounts has not been updated since 2019. Both of these accounts are still reporting false and missing information, a clear violation of the FCRA which state all information must be reporting 100 % accurate. Experian has had more than 30 days to do an investigation and has failed to do so. I demand the two accounts listed below be deleted immediately, or I will hold Experian liable for up to {$1000.00} per violation. XXXX Account Number : XXXX and XXXX XXXX Account Number : XXXX.
Consumer complaint received 2022-08-03
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: ALLY FINANCIAL INC. (PA)

ally was paid XXXX and cashed check incorrectly for the amount of XXXX and i called and was to ; XXXX  they made a mistake so i asked for the correct payoff amount and was told XXXX and to avoid additional interest i sent them a check and after i did they submitted the original check and was paid XXXX and when i noticed it i call and told them not to cash check but they did This all started on XXXX 2022 and that is when the first check was cashed wrong they they redid check and was paid on XX/XX/XXXX and cashed second check on XX/XX/2022 i have been trying to get this corected sinc XX/XX/XXXX so now they say it will take 55 to 60 days from XX/XX/XXXX for me to get my money back so i want my money returned
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end 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 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2022-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I have sent many requests and no by law I am to be providing proof. The bureaus keep sending me letter stating account have been verified however are nor backed up by proof!! FCRA VIOLATION I would like the following accounts removed from my report. 
It is severely impacting me and is incorrect. 


XXXX XXXX XXXX - Account Number : XXXX 15 USC 1692 ( c ) I never lived here, Please remove this from my credit report. 


XXXX -Account Number : XXXX 15 USC 1681 ( A ) Delete late payments for XX/XX/2021 because I was never late Delete Late payments for XX/XX/2021 because I was never late
Consumer complaint received 2022-08-03
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-08-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (FL)

I have been awarded assistance from the Homeowners Assistance Fund ( HAF ) and have been trying to get my payment applied to my account. 
They fail to respond as agreed and to upload documents I send on repeat occasion via email, internal message and fax. 
HAF claims payment has been sent XX/XX/22 however Shellpoint Mortgage Servicing keeps giving me the run around saying they haven't received anything all while the foreclosure proceeding continue and fees keep piling up.
Consumer complaint received 2024-10-07
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. (CA)

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) THAT YOU, the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX in XXXXXX/XX/XXXX under the account number ( XXXX ), in the sum of {$0.00}. account opened at XXXX systXXXX in XX/XX/XXXXXXXX XXXX  under the account ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX A service XXXX account opened XXXX under the account number ( XXXX ) in the sum of {$0.00}. These accounts have resulted in several fraudulent hard inquiries and fraudulent addresses appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, addresses, or hard inquiries as reported. The aforementioned accounts, addresses, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, addresses, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, addresses and hard inquiries are the result of identity theft and fraud. list of inquiries in question :
Consumer complaint received 2022-08-03
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX XXXX XXXX XXXX XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-08-03
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: CAPITAL ONE FINANCIAL CORPORATION (IA)

In accordance with the Fair Credit Reporting act, my rights were violated. 

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 2022-08-03
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. (IL)

XXXX accordance with the Fair Credit Reporting act XXXX Account # 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 2022-08-03
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC (NY)

On XX/XX/2022 I paid my medical bills in full and the collection agency and the hospital told me they made a mistake and they were going to reverse the hard inquiry on my credit but they never did and I still have a hard inquiry on my credit. I tried to pay the hospital in full but they did not let me and told me to pay their collection agency instead, After this payment I was told that I should have paid the hospital directly.
Consumer complaint received 2022-08-03
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-08-03
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-08-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (OR)

PHH Mortgage Services XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Loan Number : XXXX I've communicated to PHH mortgage multiple times regarding PMI removal request since March/April time frame yet I believe they purposely sit on the case so that the PMI can continue to be collected while refusing to process my request timely.
Consumer complaint received 2022-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

Equifax has violated my privacy rights with aggravated identity theft. I have made multiple attempts with disputes and certified mail to have these violated resolved. Equifax continues to report NEGATIVE information without providing the documentation I have requested from their alleged investigation from my disputes. Instead, they sent me a letter asking for proof of my identity documentation. Therefore, proving their own claims of validity of the accounts FALSE. 

VIOLATIONS - 15 USC 1681a ( 2 ) ( A ) ( i ) - 15 USC 1681b ( a ) ( 2 ) - 15 USC 1681n - 15 USC 1681o - 15 USC 6802 - 18 USC 894 I am seeking {$13000.00} in damages due to the MULTIPLE violations for the accounts that you have acted on. This has triggered pain and suffering by emotional distress, risking my livelihood, mental health, and physical health. 

As stated above, Equifax has violated me with aggravated identity theft and continue to do so. 

I can not be forced to waive my rights as a condition of 15 USC 1693I. I have the right to opt out of non-affiliated third-party reporting. Equifax must disclose my right to opt out and has committed fraud, which has no statute of limitations. 

Equifax has within FOUR DAYS to remove ALL negative derogatory accounts AND inquiries. 

THIS IS NOT A REQUEST TO DISPUTE! THIS IS A DEMAND TO DELETE PER MY RIGHTS!
Consumer complaint received 2022-08-03
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: B&F Finance Corp. (TX)

AFTER MAKING NUMEROUS PAYMENTS TO B & F XXXX  AND MAKING ARRANGMENTS AFTER DUE TO XXXX AND INFORMING THEM I WAS IN DESPERATE TIMES DUE TO A DEATH DUE TO XXXX AND HAVING TO PAY FOR AN UNEXPECTED FUNERAL DUE TO XXXX DEATH. B & F CONTINUED TO CALL ME NON-STOP AFTER TELLING THEM IT WAS NOT A GOOD TIME THEY CONTINUED TO CALL NON STOP ON MY WOR PHONE AND CELL PHONE. THEY THEN CALLED MY FAMILY AND FRIENDS AND INFORMED THEM OF MY PERSONAL ISSUES WHEN MY FAMILY ALREADY KNEW OF MY FAMILY PROBLEMS DUE TO XXXX AND THE DEATH OF A FAMILY MEMEBER THAT WAS A CONTRIBUTING PERSON TO MY HOUSEHOLD. THEY EXPOSED ALL PERSONAL INFORMATION ON A RECORDED LINE TO FAMILY AND FRIENDS BECAUSE THEY THOUGHT I WAS LYING ABOUT MY SITUATION. AFTER THIS I HAD TO EMAIL THEM A CEASE AND DESIST TO STOP ALL COMMUNICATION AND THE HARRASSMENT. THEY WERE PUTTING ME UNDER DURRESS AS A CUNSUMER
Consumer complaint received 2022-08-03
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: Merchants Adjustment Service, Inc. (GA)

My credit report from XXXX is showing I have debt of a credit card that I owe to XXXX and a balance of {$7200.00} Opened on XX/XX/XXXX, with is fraud and also showing late payments. XXXX is reporting Merchants Adjustments showing I owe {$580.00} Opened on XX/XX/XXXX, which is fraud.