davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-18
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Comerica (NY)

Withdrew {$1300.00} ( 4 Transactions, XXXX ) from Terminal XXXX XXXX XXXX, New York on XX/XX/2020 . Went directly home to divide $ for payments to creditors. Counted out only {$840.00}, Shorted {$480.00}. Went back to XXXX and I was told to call Comerica DirectExpress. After 2 requests to get required paperwork that I was told had to be filed, it took 15 days to receive. Faxed & mailed back on XX/XX/2020 and received form letter back dated XX/XX/2020 that it was determined no error had occurred. Requested copies of papers used in determination. Received just the paperwork I sent them. When I tried to contact Comerica DirectExpress to resolve this, I am locked out as Comerica XXXX has determined the issue closed. I have contacted XXXX of terminal XXXX and they have no inquiry from Comerica DirectExpress and can do nothing without Comerica DirectExpress inquiry. Sent affidavit of the facts to ComericaDirect-Express XX/XX/2020 with a 10 day response time or be in dishonor!
Consumer complaint received 2020-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (VA)

Equifax has the wrong telephone number, inaccurate accounts, and possibly other inaccurate information under my name. I have tried to log into my account on my.equifax.com account multiple times and it won't let me log in. I have inaccurate accounts that I have disputed, but I had to call their customer service line to dispute it.
Consumer complaint received 2020-05-18
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. (AR)

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX {$88.00} XXXX XXXX {$670.00} XXXX  XXXX
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX and XX/XX/XXXX Nature of Complaint : I submitted a dispute to Experian disputing a late payment reported by XXXX XXXX I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : The reported late payment was incorrect because I made the payment on time. My records show that the payment was processed successfully on the due date. However, due to an error in the creditors system, the payment was posted late, which led to the inaccurate late payment entry on my credit report. 
Evidence provided : Bank statement showing the payment made on the due date. 
Confirmation email from XXXX XXXX XXXXXXXX verifying the payment was received on time. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

Date : XXXX XXXX, 2024 Subject : Dispute of Inaccurate Information on Account Account Numbers : XXXX, XXXX Dear Customer Service XXXX, This letter serves as a formal dispute regarding the closed accounts associated with Capital One 360 reported to XXXX XXXX XXXX XXXX XXXX. As a consumer, I am protected under 15 U.S.C. 1681, which guarantees accurate reporting and prohibits unauthorized sharing of my personal financial data. Disclosing my information without my explicit consent violates FCRA Section 604 ( a ) ( 2 ) and my privacy rights.
Consumer complaint received 2024-11-12
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Confusing or missing disclosures — 
Company: WELLS FARGO & COMPANY (NC)

Went to Wells Fargo on XXXX XXXX XXXX XXXX, NC on XX/XX/year>. 
Check written on account with Wells Fargo from XXXX. 
Asked for Certified Funds and was informed that XXXX does not allow their checks to be cashed and/or certified, only deposited. 
XXXX did not say nor write in any documents nor on the check itself that it must be deposited. 
I was under the assumption that if you have a check written at that bank they are required to give certified funds, whether for a fee or not. 
I was not aware that as a consumer/business that you can direct how you check is handled. 
Wells Fargo refused to offer certified funds.
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX and XX/XX/XXXX Nature of Complaint : I submitted a dispute to Experian disputing a late payment reported by XXXX XXXX I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : The reported late payment was incorrect because I made the payment on time. My records show that the payment was processed successfully on the due date. However, due to an error in the creditors system, the payment was posted late, which led to the inaccurate late payment entry on my credit report. 
Evidence provided : Bank statement showing the payment made on the due date. 
Confirmation email from XXXXXXXX XXXX XXXXXXXX verifying the payment was received on time. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and XXXXILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX.
Consumer complaint received 2023-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

I have XXXX XXXX XXXX XXXX XXXX ( AKA XXXX, XXXX XXXXXXXX XXXX ) all amounts due, on time, since the inception of my contract with them approximately 10 years ago. They consistently make accounting errors, send harassing inaccurate bills, and are unresponsive to concerns. It is starting to appear as though they are using these tactics to intimidate, defraud, and extort their customers. Its been years of correcting their inaccuracies and every time, every contact Im assured my account is in good standing and up to date. Come to find out today theyve reported my account as delinquent. It is not. Not only have I attached proof, I called and verified it is and has been in good standing ( call made today XXXX ) and received a verification email. The representative also sent me experians contact information for in her words when these things happen, and since she couldn't help me from her end. So they can apparently fraudulently report it but not correct it. 

I have attached a pdf containing proof of payment monthly over the past few years. In the pdf there are cashed checks, banking transactions, credit card transactions, emails from company representatives, and screen shots of my online account with XXXX XXXX XXXX. Youll notice theyve changed company names multiple times first they were XXXX, then XXXX XXXX XXXX, then XXXX XXXX XXXX. All the same solar company and all the same address. There may be a company name or 2 Im forgetting. This company is incompetent, they consistently mess up billing, Ive spent countless hours on the phone with them making sure theyve recorded payments Ive sent. I called today and verified that my account is not nor has it ever been delinquent. They made a frivolous and baseless claim against my credit report.
Consumer complaint received 2020-05-18
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (TX)

Mr Cooper Mortgage XXXX XXXX XXXX XXXX XXXX Texas XXXX XXXX Mr Cooper ATTN : Payment Processing XXXX XXXX XXXX XXXX Texas XXXX My Contact Info : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Texas XXXX ( XXXX ) XXXX Please Help XX/XX/XXXX I informed Pacific Union of significant tax changes ( Exemptions ) to my escrow. 
XX/XX/XXXX Pacific Union sold my VA mortgage to a Mr Cooper without a notification to me. 
XX/XX/2020I received a certified letter from Mr Cooper threatening foreclosure. Mr Cooper returned my mortgage payment to my bank refusing to accept the payment. Mr Cooper has added frivolous fees to my escrow. 
XX/XX/XXXX I have attempted to call Mr Cooper and I have left several online messages with Mr Cooper to resolve the matter. 
XX/XX/XXXX I changed my payment to Mr Cooper, however the payments come back under a Nationstar Mortgage LLC as the owner. 
I contacted XXXX Banking and they are investigating the matter of why the payments are returning. 
XX/XX/XXXX A Mr Cooper representative called me and informed me I needed to refinance in order to fix the issue. 
* At this point I am not sure who to pay my mortgage to ( Nations, Mr Cooper or Pacific Union ). 
Mr Cooper is taking advantage of not informing me of any type of transfer of my mortgage and is using it as a way to sell me to refinance. 
Mr Cooper keeps sending me Covid 19 refinancing emails, however will not return my calls to resolve the mortgage issue. 
I believe this is criminal.
Consumer complaint received 2020-05-18
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (MD)

I purchased a XXXX XXXX XXXX in XX/XX/XXXX and my loan is with Chrysler Capital. I ran into some really hard times at the end of XXXX and my vehicle was repossessed XX/XX/XXXX. I gathered all of the funds to get my car back and retrieved it on XX/XX/XXXX. Recently I received an alert on my credit monitoring site the the loan was CHARGED OFF. I contacted the bank and they explained that because of the amount of days past due the loan had in fact been charged off and will continue to report that way even though i brought the loan current and have been making payments on time ever since. I need the accurate status of the loan to report to the credit bureaus so that my payment history can improve
Consumer complaint received 2024-10-23
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. (TX)

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX Account XXXX : XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2020-05-18
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. (OH)

I was a victim of ID theft and I am trying to protect my credit file because of a unauthorized access to my credit. I found new accounts that have never appeared before on from the following copmanies : XXXX XXXX XXXX # XXXX, XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX PLEASE DELETE THE ABOVE UNVERIFIED ACCOUNTS. I am disputing them again under 611, 623, 609 FCRA.
Consumer complaint received 2020-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION (DE)

I have a concern about Credit Acceptance Corporation Auto Finance. my vehicle was involved in a auto accident back on XX/XX/2019. It was reported as a total loss to the company, CAC refused to let the GAP pay the remaining portion for the total loss claim. So now the account has been sitting with an unpaid balance of {$14000.00}, monthly payment reports on my credit report as {$0.00}. This account is well over 180 days past due and is no longer handle by CAC, they have an outside law firm handling this file for them and the refuse to either have it updated or removed from my credit report. They still have the account as open and active in their company but not handling the matter at hand. I asked them several times to have this matter removed or corrected. I was told by a representative that they can continue to keep my account open as long as they want to and have another agency collect on it for them. By law I know after 180 days of no payment the account has to be reported as charged off or closed. This company refuse to do so just to keep it open.
Consumer complaint received 2024-10-30
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. (MS)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (HI)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-10-22
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I was notified on XXXX, XX/XX/XXXXXXXX XXXX  via email from Capital One that an application was submitted in my name. I was also notified by my security App XXXX that a hard inquiry was placed on my credit report. I did not authorize this credit card application, nor did I apply. I placed a freeze on all of my credit via the bureaus and contacted Capital One and XXXX to place fraud alerts on my credit report and dispute the hard inquiry due to fraudulent activity/identity theft. I was notified by the XXXX representative to file a police report and a report to the FTC, thus leading me here.
Consumer complaint received 2023-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc. (TX)

The fair credit reporting act 15 USC 1681 section 602 a says there is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness impartiality, and I respect for the consumers right to privacy. I have the right to make sure my private information isnt shared which is proven in 15 USC 6801 which states, '' it is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its consumers and to protect the security and confidentialities of those consumers non-public personal information. ( furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that in general subject to subjection ( c ), any consumer reporting agency may furnish a consumer report on the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. ( Furnisher of information to credit agencies ) the financial institution and consumer reporting agencies XXXX and XXXX do NOT have my consent to furnish this information and they surely do NOT have my written consent. Any and all consent to XXXX, XXXX, ( furnisher of information to credit agencies ) be verbal, nonverbal, written, implied or otherwise is revoked. 15 USC 6802 ( a ) ( b ) states that a financial institution may not disclose nonpublic personal information to a nonaffiliated third-party unless-the consumer is given an explanation of how the consumer can exercise that nondisclosure option. ( furnisher of information to credit agencies ) hes never informed me of my right to exercise my nondisclosure option. In addition, 15 USC 16 81C ( a ) ( b ) except as authorized under ( b ), 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 with auntie dates to report by more than seven years. These accounts were an adverse items they are reporting again without my permission which is against the law 15 USC 1681 s2 ( A ) ( 1 ) A states 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 in accurate. 15 US code 1681e states " every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681C of this title in to limit the furnishings of consumer reports to the purposes listed under section 1681b of this title. Also 12 CFR code 1016.7 says '' A consumer may exercise the right to opt out at any time. " I am opting out of your reporting services. ''
Consumer complaint received 2024-10-23
Product: Credit card — General-purpose credit card or charge card
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. (TX)

Im certain I make my payments on time, but I dont know why this company is reporting late payments for some months. As per USC 1666b, any billing error should be corrected, showing my payments were made as agreed.
Consumer complaint received 2020-05-18
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports. I have never received any notifications in regards to the investigation results and it has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. 

Initial dispute sent XX/XX/2020 30 Day demand to comply sent XX/XX/2020
Consumer complaint received 2020-05-18
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. (AR)

My identity has been compromised. I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report. XXXX XXXX {$460.00} XXXX XXXX {$1700.00} XXXX XXXX XXXX {$3500.00} XXXX XXXX {$880.00} XXXX XXXX XXXX {$61.00} XXXX  XXXX {$1200.00} XXXX XXXX XXXX XXXX {$560.00} XXXX XXXX XXXX {$1300.00} XXXX XXXX {$410.00} CHAPTER XXXX BANKRUPTCY XXXX {$0.00} CHAPTER XXXX BANKRUPTCY XXXX {$0.00}