davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-18
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: FC HoldCo LLC (OH)

I purchased a car from XXXX XXXX XXXX XXXX  on XX/XX/2023. The following day the engine and oil lights came on, the car reeked of gasoline. I called them everyday to make them aware of the issues with the car. They kept giving me the runaround, so I showed up in person on my lunch break. When I arrived, I had the XXXX come out to the vehicle to share with him what i was smelling. He made like to bring me to the XXXX department to have them look at it. So, they wanted to keep my car without giving me a loaner car. I told them that i needed liable transportation to get back and forth to the academy, because we can't miss any days. So, the service XXXX told me to take the car and when a loaner car becomes available, i can drop the car off. I dropped the car off on XX/XX/2023 thinking it was being worked on, but it wasn't. My car was towed to XXXXXXXX XXXX XXXX supposedly getting fixed, and to my surprise it wasn't. I kept calling XXXXXXXX XXXX XXXX XXXXXXXX to get answers and both parties blamed each other for not contacting each other. So, I called both XXXXXXXX XXXX XXXX XXXX XXXX XXXX on XXXX way. XXXX XXXX service XXXX answered and that is when the conversation began. XXXX wanted to fix it, but because it was going to cost XXXX XXXX {$2000.00}, they said No. So, XXXX XXXX said that they were going to bring the vehicle back to the dealership to fix it themselves, instead of letting XXXX fix it. A few days passed and I didn't hear anything back, so I reached out to XXXX XXXX to get more information. No one called me back so I showed up in person again and the service XXXX said he made the decision to move my vehicle to an unknown reconditioning shop to be worked on and they won't even tell me where the shop is and when the vehicle will be fixed, and I didn't give them permission to move my car. Also, the service XXXX told me that my car should have never been sold to me due to them being under new management and that they didn't do the initial inspection, which is also recorded. Lastly, they sold me an unsafe vehicle that could have blew up or caught on fire to where I couldn't even ride my special needs son in the car because I had to drive with my windows down due to the smell.
Consumer complaint received 2023-04-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A. (NV)

I have been a long term user of Citibank Costco card and have always paid my bill in full every month. Recently while I was traveling, I received notice that my payment for the XXXX bill was past due. I contacted customer service about this and tried to view the bill on line. The Citi policy apparently is that a customer who is late, no longer has the " privilege '' to see the bill on line. I wanted know the total for the month of XXXX. I was not given the amount of the balance and denied access to view the bill. I wasn't told what to pay to clear the balance, only the current installment. 
It is clear Citi was not interested in clearing the balance but rather to set up installment charges. As a result I was charged late fees and interest totaling {$100.00}. This can't be l
Consumer complaint received 2023-04-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (RI)

My fiance XXXX XXXX and I have a mortgage with Lakeview loan number XXXX. In XX/XX/2022, we received a notice from Lakeview that our taxes were not paid and they were increasing our mortgage payment to compensate to pay the back taxes owed. When we looked on the Lakeview portal we could see our quarterly tax disbursements for the following amounts : XX/XX/2022 XXXX, XX/XX/2022 XXXX, XX/XX/2022 XXXX, XX/XX/XXXX XXXX XXXX, and XX/XX/2022 XXXX. But despite these payments being made, Lakeview forced us to pay almost XXXX  extra each month for several months. I filed a complaint with the XXXX and CFPB and this pushed Lakeview to research the issue. XXXX and I researched on our end with our closing attorney. It appeared that the taxes were being paid on our condo association and NOT on our condo unit. As such, after the two regulator complaints were filed, Lakeview contacted us and advised an overage of approximately XXXX was due to us and we were sent a refund. Now, a few weeks ago, we received notification from Lakeviews servicer XXXX that we owe XXXX which is the exact amount of the 5 quarterly disbursements made on our account. Again, it appears that they never corrected the tax amount that was misapplied. Dealing with Lakeview and XXXX is a complete nightmare. I also tried to reconcile the amounts using the payments made on the Lakeview website under our loan account but its impossible to do so with the way they reported our payments. I also asked Lakeview to perform an audit on our account to ensure everything was corrected but they failed to do so. Please address this issue as we will never get this resolved with them unless we double pay them another XXXX when we already paid the taxes owed on our property.
Consumer complaint received 2017-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AAA Collections (MO)

On my  XXXX  report I disputed   XXXX   XXXX   account for {$380.00}. I paid the original creditor AAA on  XX/XX/XXXX  in the amount of {$310.00}. The original creditor AAA shows my account as a   XXXX    balance. I called everyday from XX/XX/XXXX  through  XX/XX/XXXX  to check the status of getting this collection account removed. I spoke to   XXXX    who escalated my account to her supervisor to email   XXXX   XXXX    that my account balance is  XXXX .   XXXX   XXXX   claim they have n't received any notifications from AAA. I spoke to an  XXXX  supervisor  XXXX   XXXX  ext  XXXX  who claims no email has been sent and that he verified the account and the balance is still owed.  XXXX  from AAA is adamant that her supervisor sent over the email to  XXXX  and that the balance is  XXXX . This collection account was added to my   XXXX    report as of  XX/XX/XXXX .
Consumer complaint received 2023-04-19
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. (NY)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. XXXX XXXX XXXX Date Opened : XX/XX/2019 Balance : {$1000.00}. Please update.
Consumer complaint received 2023-04-19
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: NAVY FEDERAL CREDIT UNION (FL)

In XX/XX/XXXX, I discovered that Navy Federal had auto loan rates ranging as low as 4.74 - 5.74 % for new and used vehicles for up to 60 months. There are 3 categories, new vehicle, late model used vehicle, and used vehicle. I submitted an online auto application, however, instead of there being 3 categories, there were only 2, new and used, so I chose used for 60 months with a trade in. I received a message at the end of my inputting my information that I needed to call in to have my application reviewed. I did just that and spoke with a rather uncooperative agent. She informed me that Navy Federal can offer me an interest rate of 5.44 % I asked her why so high, when my credit score range near XXXX, surely, I should qualify for the lower rate. She stated that is what is offered for a XXXX vehicle. I said to her, the website state late model used vehicle, but that wasn't an option during the application. I told her I wasn't happy with that and I would like a further review of my application with someone else. Later, I told her if they are unwilling to review my account then cancel my application because it's is false advertisement. XXXX weeks later, I received a letter in the mail of credit denial due to level of delinquency on accounts ( which my XXXX report has XXXX adverse account ), too many accounts with balances ( my accounts have less than 35 % utilization and low balances, too many inquiries, and length of time revolving accounts ( I have XXXX revolving account XXXX XXXX that is less than a year old ). I then began emailing XXXX XXXX and XXXX XXXX of my less than favorable experience. On XX/XX/XXXX, I spoke with XXXXXXXX XXXX XXXXXXXX assistant whom called me to offer me a rate of 6.9 % for a XXXX vehicle and after asking what factors determined that, she informed she could not disclose. I feel as though Navy Federal has discriminated against me with false information.
Consumer complaint received 2023-04-19
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: ENCORE CAPITAL GROUP INC. (GA)

XXXX XXXX XXXX contacted me by mail XX/XX/2023. When I received it I had no idea what it was even in regards to. I contacted them telling them it was not my debt. I then sent out two debt validation letters. The company had XXXX XXXX contact me again, she told me I would owe all attorneys fees and court cost and that If I didnt pay I would go to jail. She used abusive language and profanity. I told her I was never even served to go to court or received anything about court. She advised me I didnt need to get that, that I needed to pay them now. She advised me they can call my job and take my paychecks.
Consumer complaint received 2017-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

There is a XXXX XXXX credit card, account number XXXX, that is showing delinquent in XXXX and XXXX of XXXX. The account was closed at the time and should not have been showing delinquent. I have discussed the matter with XXXX XXXX and they said they rectified the issue on their end and would report the corrected information to the credit bureaus. The correction never happened and although I have disputed the information with the credit bureaus, the information is still showing incorrectly.
Consumer complaint received 2023-04-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (CA)

I sent my payment of {$710.00} on XX/XX/XXXX from my bank. I sent opened a dispute and on XX/XX/XXXX my case was closed because they were unable to find my payment. I submitted another dispute on XX/XX/XXXX and sent a fax with all of the information they requested. On XX/XX/XXXX I received a letter that my case was closed again because they couldnt find the payment. On that same day I submitted another fax with the information they requested. This is the third time I open a claim and I have decided to escalate the issue because it has been 3 months since the payment was sent.
Consumer complaint received 2023-04-19
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: Spring Oaks Capital, LLC (GA)

I obtained a copy of my credit report from the major 3 credit bureaus to check the information within making sure that it was accurate according to USC title 15 ( 1681 ) 5. 

Ive waited over 30 days to receive the investigation results which everything was still reporting the exact information as the previous months. The credit reporting agencies XXXX, XXXX, and XXXX did not complete and modify or remove any of the items on my credit report. 

The primary information being reported are not correct such as the open date, date last active, date of payment history. 

These are violations of the Fair Credit Reporting Act, which is harming me from obtaining fundings to start a business and buy a home for my family.
Consumer complaint received 2017-12-15
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: ALLY FINANCIAL INC. (IN)

On XX/XX/XXXX I spoke with XXXX to remove inquires i did not authorize. I spoke with a XXXX rep and told him which ones needed to be removed, he confirmed the ones that needed to be removed and the call dropped. As I called back and was on hold for about 20 more minutes I got another XXXX rep I explained to him what the other XXXX rep was doing about deleting the unauthorized inquires before the call dropped, however she was rude and did not care. After talking for about 5-10 more minutes, needless to say she did not help me with what the original XXXX rep was willing to do. There are XXXX inquires from XX/XX/XXXX and XX/XX/XXXX from car loan places. None of these places had my authirization to pull my credit or anything relating to this matter.
Consumer complaint received 2023-04-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Account name : XXXX XXXX  account number # 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 that a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) section states that 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 2024-08-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NV)

Dear CFPB, I am writing to formally request your assistance in resolving an ongoing issue with inaccurate information on my credit report. Despite multiple efforts to have this incorrect information removed through direct disputes with the credit bureaus and the original creditors, the erroneous accounts remain on my credit report. 
The details of the disputed debts are as follows : XXXX. Account Name : XXXX XXXX XXXX Account Number : XXXX Disputed Amount : XXXX Date of Dispute : XX/XX/year> XXXX. Account Name : XXXX XXXX XXXX Account Number : XXXX Disputed Amount : XXXX Date of Dispute : XX/XX/year> XXXX. Account Name : XXXX XXXX XXXX Account Number : XXXX Disputed Amount : XXXX Date of Dispute : XX/XX/year> XXXX. Account Name : XXXX Credit Account Number : XXXX Disputed Amount : XXXX Date of Dispute : XX/XX/year> XXXX. Account Name : XXXX Card Account Number : XXXX Disputed Amount : XXXX Date of Dispute : XX/XX/year> In each instance, I provided substantial documentation to the credit bureaus ( XXXX, Experian, and XXXX ) demonstrating that these debts are either not valid, have been paid in full, or should not be reported on my credit history. However, the credit bureaus have either failed to correct the information or have reinserted the disputed debts back into my credit report after initially removing them.

These two accounts are also being reported twice and they are the same account. 
XXXX XXXX XXXX XXXX XXXX XXXX Given these circumstances, I am requesting the CFPB 's intervention to ensure the immediate and permanent removal of these incorrect entries from my credit report. The continued presence of these inaccurate items is causing significant harm to my creditworthiness and financial well-being. 
Please find attached copies of all previous correspondence with the credit bureaus, as well as any supporting documents related to the disputes. 
I appreciate your prompt attention to this matter and look forward to your assistance in ensuring the accuracy of my credit report. 
Thank you for your help. 
Sincerely, XXXX XXXX
Consumer complaint received 2023-04-18
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: BMO Bank, N.A. (NC)

Bank of the West did not honor my dispute under 15 U.S. Code 1666 - Correction of billing error. Creditor took immediate action to close my account during this billing error and section ( b ) states " not later than two complete billing cycles of the creditor ( in no event later than ninety days ) after the receipt of the notice and prior to taking any action to collect the amount, or any part thereof, indicated by the obligor under paragraph '' Noncompliance of this U.S. code in section ( e ) forfeits creditors rights to collect from obligor. I am demanding Bank Of West to remove this account from the credit agencies due to this violation of U.S. Code 1666.
Consumer complaint received 2023-04-18
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (OR)

XX/XX/2023 TO : CFPB Wells Fargo recently sent a letter dated XX/XX/2023 to all customers who have a XXXX XXXX XXXX account. We contacted them several times in the past week, getting various responses and no resolution. They are requiring that we use a business account instead of the current personal account to make monthly ACH payments to that loan. The loan was set up 9 years ago with WFB and with a monthly ACH payment from our personal account, per their instructions. This is a " personal '' loan with collateral of a commercial building that we personally own and receive rent from its XXXX occupants. It makes no sense to open yet another Wells Fargo account, and there are $ costs involved in doing so. According to Wells Fargo in my recent phone calls to them, this is a " corporate '' change in policy, and that they are receiving many complaints. Once again, Wells Fargo is bilking customers to improve its image with investors, I believe. Think of the numbers of new business accounts that will be added! 
My husband and I are owners of a small retail business LLC which rents space in that building. The additional bookkeeping that will be caused is not insignificant. We currently report as rental income and expense on our personal tax returns Schedule E. 
The letter states we have until XX/XX/2023 to change the ACH payment method from a personal to business account or automatic payment from our personal account will be stopped. 

Thank you for looking into this matter. Something just seems wrong. 

XXXX XXXX & XXXX XXXX, owners XXXX XXXX XXXX  XXXX, XXXX XXXX Oregon, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-17
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. (NC)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2023-04-17
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 this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/2017 Balance : {$1100.00}
Consumer complaint received 2023-04-18
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. (IL)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.