davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-24
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

Hello my name is XXXX XXXX I live in XXXX XXXX North Carolina. I am a XXXX XXXX I do XXXX work I offer my services in North Carolina and also in XXXX NY. Back in XX/XX/XXXX I came to Bank of America to do a wireless transaction of XXXX this was my first time doing a wireless transaction. One male took the whole information and help me with the transaction he gave me a receipt to make sure everything was right and I noticed that he messed up the amount he put XXXX on the transaction instead of XXXX. Which I immediately told him to cancel the transaction because they mess up the amount and I was coming back home the next day so I will try to do it in NC. He contact his manager XXXX because he was unable to get in the system to do it so I talk to her and told her about my situation i was far away from home so instead of changing the amount I would love to have it cancel. She agreed and she told me that she will do that right away. After a week a call her and email her and she did not respond to me I send my worker XXXX XXXX to her office so he can ask her how much longer should I wait to have the money back on my account and she told him 30 days. In XXXX I fly to XXXX to ask her again why the money was not on my account yet, which she told me it can took more than 3 months to be there she gave me one more page where it said it was Bank of America fault. Today is XX/XX/XXXX I had call her and email her and her last email was that I need to call customer service regarding that transaction. At this point I do not know what to do that money is for my business taxes I work hard very hard and now she is not giving me an answer. 
really need help.
Consumer complaint received 2022-06-24
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. (GA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 
Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
. Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report Account Number : XXXX Please remove it from my credit report. 
Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report Account Number : XXXX Please remove it from my credit report. 
Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report Account Number : XXXX Please remove it from my credit report. 
Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report Account Number : XXXX Please remove it from my credit report. 
Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2022-06-24
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. (FL)

In accordance with the Fair Credit Reporting act : XXXX XXXX Acct # 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 an account without my written instructions
Consumer complaint received 2022-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: Experian Information Solutions Inc. (CA)

In accordance with the fair Credit Reporting act XXXX  Account # XXXXXXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX  and Account # XXXX XXXX XXXX have 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 2022-06-24
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. (WA)

In accordance with the Fair Credit Reporting Act XXXX. 

Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Has Violated My Rights 15 U.S.C 1681 Section 602 A. States I have a 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 2022-06-24
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: Santander Consumer USA Holdings Inc. (FL)

CFPB THIS IS NOT A DUPLICATE : Santander Consumer USA Inc, over-stand me when I say this is my final order or you will be sued in Federal Court at the very second Santander dishonor this Order you will be sued for the maximum the Federal Court allow me to with prejudice!!!!!!!!!!!!!!!!!!!!!!!!! 

All persons mentioned can all be tied into XXXX A person convicted can face a fine of either {$250000.00} or double the amount of proceeds earned from illicit activity. The prison time can increase to up to a life sentence depending on the underlying crime that was committed. As I all documentation evidence of Santander, XXXX, XXXX XXXX activities the CEOs and CFOs of each company mentioned shall be held accountable.
Consumer complaint received 2022-06-24
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. (FL)

I have never had a late payment in my student loan for over 10 years and the XXXX company never notify me of the late payments that they were reporting on my credit report during the pandemic I was never aware of any problems with this account until they notify me that the account was going to be charged off when I did not pay. But I immediately paid it when I realize that they were putting late fees and late payments on my credit history. 

First of all, is not fair that I was not notify of this problem and that they went along with it for over 8 months. 

Secondly this late payments are inaccurate because I did make my payments in XXXX on time. something that I do not understand is, why would they report a late payment when it did not happen. 

I have already notify the company of this problem but they refuse to correct their mistake the late payments are inaccurate. I am asking for XXXX to send proof that I was in fact late in the accounts and that all the information is correct and verifiable. 

All this happen between XX/XX/XXXX to XX/XX/XXXX The fair credit reporting act establish that all accounts reported in a credit report have to be 100 % accurate and verifiable if the account is not accurate or verifiable the account needs to be removed. 

Thank you,
Consumer complaint received 2022-06-24
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. (FL)

I have never had a late payment in my student loan for over 10 years and the XXXX company never notify me of the late payments that they were reporting on my credit report during the pandemic I was never aware of any problems with this account until they notify me that the account was going to be charged off when I did not pay. But I immediately paid it when I realize that they were putting late fees and late payments on my credit history. 

First of all, is not fair that I was not notify of this problem and that they went along with it for over 8 months. 

Secondly this late payments are inaccurate because I did make my payments in XXXX on time. something that I do not understand is, why would they report a late payment when it did not happen. 

I have already notify the company of this problem but they refuse to correct their mistake the late payments are inaccurate. I am asking for XXXX to send proof that I was in fact late in the accounts and that all the information is correct and verifiable. 

All this happen between XX/XX/XXXX to XX/XX/XXXX The fair credit reporting act establish that all accounts reported in a credit report have to be 100 % accurate and verifiable if the account is not accurate or verifiable the account needs to be removed. 

Thank you,
Consumer complaint received 2022-06-24
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)

I have never had a late payment in my student loan for over 10 years and the XXXX company never notify me of the late payments that they were reporting on my credit report during the pandemic I was never aware of any problems with this account until they notify me that the account was going to be charged off when I did not pay. But I immediately paid it when I realize that they were putting late fees and late payments on my credit history. 

First of all, is not fair that I was not notify of this problem and that they went along with it for over 8 months. 

Secondly this late payments are inaccurate because I did make my payments in XXXX on time. something that I do not understand is, why would they report a late payment when it did not happen. 

I have already notify the company of this problem but they refuse to correct their mistake the late payments are inaccurate. I am asking for XXXX to send proof that I was in fact late in the accounts and that all the information is correct and verifiable. 

All this happen between XX/XX/XXXX to XX/XX/XXXX The fair credit reporting act establish that all accounts reported in a credit report have to be 100 % accurate and verifiable if the account is not accurate or verifiable the account needs to be removed. 

Thank you,
Consumer complaint received 2024-08-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I received my credit report recently and noticed there is still a fraudulent account appearing. Reinvestigate and delete the accounts listed below : Account Name : XXXX XXXX XXXX Account Number : XXXX. 

I request that you reinvestigate the completeness of every piece of information and if it's not accurate, please remove it from my credit report. 

Based on consumer law 15 U.S. Code 1681i - Procedure in case of disputed accuracy, if within XXXX  days you can not verify the accuracy of the information, please remove the account from my credit report. 

Thank you for your time and consideration in this matter. I look forward to hearing back something positive.
Consumer complaint received 2022-06-24
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: Southwest Credit Systems, L.P. (MI)

In accordance with the Fair Credit Reporting Act Southwest Credit Systems Account # 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 an account without my written instructions.

15 U.S.C. 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (FL)

I have never had a late payment in my student loan for over 10 years and the Navient company never notify me of the late payments that they were reporting on my credit report during the pandemic I was never aware of any problems with this account until they notify me that the account was going to be charged off when I did not pay. But I immediately paid it when I realize that they were putting late fees and late payments on my credit history. 

First of all, is not fair that I was not notify of this problem and that they went along with it for over 8 months. 

Secondly this late payments are inaccurate because I did make my payments in XXXX on time. something that I do not understand is, why would they report a late payment when it did not happen. 

I have already notify the company of this problem but they refuse to correct their mistake the late payments are inaccurate. I am asking for Navient to send proof that I was in fact late in the accounts and that all the information is correct and verifiable. 

All this happen between XX/XX/XXXX to XX/XX/XXXX The fair credit reporting act establish that all accounts reported in a credit report have to be 100 % accurate and verifiable if the account is not accurate or verifiable the account needs to be removed. 

Thank you,
Consumer complaint received 2022-06-24
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Carvana Group, LLC (MD)

This complaint is addressed to XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX and all agents and employees doing business as Carvanna, LLC and serves as My notice of opportunity to cure and intent to sue. I have applied via 3rd party for an extension of credit in which Carvana accepted the duty. 

The application process is deceptive and misleading, and they are requesting an egregious amount of {$14000.00} for a downpayment which is a TILA violation. I was informed that the Financial Institution XXXX required the $ XXXX downpayment and that I would have to speak with them. I called XXXX and I was informed that they do not have anything to do with that and I'd have to work it out with the " Dealer Ship ''. I then initiated a text conversation with a Rep, to no avail I was instructed to give Carvana a call. The next day I called Carvan back at ( XXXX ) XXXX and requested to speak to a manager. One hour later I received a call back from XXXX XXXX. 
XXXX was unwilling to escalate my issue or sort it out as he indicated that he was not competent enough to understand the violation I was citing because he was not an attorney. 
In good faith Ive tried multiple times to get this remedied. 

The problem : Carvana, LLC is violating Truth in Lending 15 USC 1662 ( 2 ). 
No advertisement to aid, promote, or assist directly or indirectly any extension of consumer credit may state ( 2 ) that a specified downpayment is required in connection with any extension of consumer credit, unless the creditor usually and customarily arranges downpayments in that amount. ( Pub. L. 90321, title I, 142, XXXX XXXX XXXX, 82 Stat. 158. ) I've attached exhibits to show that Carvana not only advertises Downpayments in various amounts but also changed the amount further along in the purchase process. This is an unfair and deceptive trade practices and a violation of the above regulation.
Consumer complaint received 2022-06-24
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: ALLY FINANCIAL INC. (AR)

The complaint I have with each company is, my rights were violated. I recently came across information from the Federal Trade Commission more specifically the Gramm-Leach-Bliley Act 15 USC 6802. On one of the accounts ( XXXX ) my now ex-husband purchased the unit with me as the buyer and him as the co-buyer with all of my information. I never signed any documents, nor did I give him premission to do so, because we were married at the time, I didn't want to prosecute him. After looking at the original documents. I've never lived at the address on the document, nor did I sign anything, someone had to sign my name. I will attach all of the following correspondence letters I've sent to these companies as of XX/XX/2022 with no resolution. My student loans have also been XXXX due to a permanent XXXX, but they're still being reported.
Consumer complaint received 2022-06-24
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)

Fraudulent accounts are in my report, I requested validation through the original contract but no contracts have been sent to me ever since. This request has been ignored as shouldn't be the case as the law states that I am able to request a contract between me and the company that I have allegedly had an account.
Consumer complaint received 2022-06-24
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. (AL)

In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX, XXXX  XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXXXXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX, U S Dept of Education 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 2022-06-24
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. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX  XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXXXXXX XXXX Account # XXXXXXXX XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX and XXXX XXXX Account # XXXX have all 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 Section2 : it also states a consumer reporting agency can not furnish a account without my written instruction.
Consumer complaint received 2022-06-24
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (OH)

My VA Mortgage is with Flagstar Bank. I experienced financial hardship during covid. I went on a forbearance plan. I was about to resume my mortgage payment XX/XX/XXXX. I spoke with Flagstar 's hardship team to start the process to leave the forbearance plan. They stated that I would have to get a modification to my loan to refinance the unpaid balance that had accumulated during the forbearance plan. In XXXX I received the modification paperwork. I signed it and sent it back in. Found out months later that Flagstar made some type of error on the paperwork and they would have to redo the entire modification process. Fast forward to XX/XX/XXXX the modification process was completed and finalized ; however, I am still unable to make payments via online and have to call in my payment. I have been making my mortgage payments every month since XX/XX/XXXX. This month, XX/XX/XXXX, I received a document from Flagstar that I only paid {$800.00} of my {$1300.00} mortgage yet the paper stated that my required mortgage payment was {$1400.00} even though my finalized modification states my monthly payment is {$1300.00}. I then received call from collections stating that if I don't pay the remaining balance then I my credit will be negatively impacted and I will lose my home. I made my full mortgage payment and provided the collections specialist with my XXXX mortgage payment confirmation number and told her that I can provide my XXXX banking statement to prove that Flagstar withdrew {$1300.00} ( when I called to make a payment early XXXX the hardship employee told me to pay an extra {$10.00} so I did ) on XX/XX/XXXX. She then hung up on me. I called back and another representative hung up on me when I asked for a supervisor. I then called the hardship department and asked for a supervisor. I was on hold for an hour and they said that I would need to call back another time because they are busy. I also submitted a ticket to have a supervisor call me back within 48 hours but no supervisor has tried to contact me.
Consumer complaint received 2022-06-24
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. (GA)

This account is inaccurate and an FCRA violation. XXXX  # XXXX. I'm unaware of this account and did not receive notification about of debt. If you believe you provided notification, please PROVIDE CERTIFIED RECEIPT. Also, please provide Assignment of Debt, Validation of Debt, and Method of Verification.
Consumer complaint received 2022-06-24
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. (MS)

Fraudulent accounts reporting on my XXXX XXXX XXXX Experian credit reports. 

XXXX XXXX XXXX XXXX {$9700.00} Inquiries XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX {$3500.00} XXXX XXXX XX/XX/XXXX {$46000.00} XXXX XXXX XX/XX/XXXX {$17000.00} XXXX XXXX XX/XX/XXXX {$5100.00} XXXX XXXX XX/XX/XXXX {$1700.00} XXXX XXXX XX/XX/XXXX {$1700.00} XXXX XXXX XXXX XX/XX/XXXX {$1600.00XXXX XXXX XXXX XXXX XX/XX/XXXX {$3200.00} XXXX XXXX XXXX XX/XX/XXXX {$1900.00XXXX XXXX XXXX XX/XX/XXXX {$9700.00} XXXX XXXX XX/XX/XXXX {$1200.00} XXXX XXXX XXXX  XX/XX/XXXX Experian XXXX XXXXXXXX XXXX  # XXXX XX/XX/XXXX {$390.00} XXXX XXXX # XXXX XX/XX/XXXX {$2500.00} XXXX XXXX # XXXX XX/XX/XXXX {$17000.00} XXXX XXXX XXXX XXXX XX/XX/XXXX. {$46000.00} XXXX XXXX # XXXX XX/XX/XXXX. {$5100.00} XXXXXXXX XXXX # XXXX XX/XX/XXXX {$8000.00} XXXX XXXX  # XXXX XX/XX/XXXX {$2500.00} XXXX XXXX # XXXX XX/XX/XXXX {$1700.00} XXXX XXXX  # XXXX XX/XX/XXXX {$1700.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX {$1600.00} Inquiry XXXX XXXX  XX/XX/XXXX