davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-25
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (KY)

I used to send a few months at a time by mail to pay my loan payment with Nissan. I noticed and started get calls from Nissan that my payments had not been received. It started taking longer and longer for my checks to be cashed by Nissan. I received another call explaining my account was about to be late for my  XX/XX/XXXX payment. I explained my check was in the mail. The collector said he could take a payment over the phone but at the time I could not afford for the check and the phone payment to clear. Magically my check cleared shortly after the phone call. I immediately stopped mailing checks and started using their online system. It must be nice to be able to hold checks to create late payments. As you can see from my electronic payments always timely. Either this company is trying to create extra money with late fees, trying to discourage people from mailing checks to use online payments, or there was a mailing issue. 
I spoke with XXXX on XX/XX/XXXX and was told I would get a response in 15 days. I did not. I contacted XXXX   XX/XX/XXXX and was told Nissan could not change it without getting fined by CFPB As one can see from my 30 plus years of credit history there has never been a over 30 day late. How is it fair credit reporting with most of my payments are over 30 days in advance and they don't report that.
Consumer complaint received 2018-10-19
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. (CA)

" " '' I have disputed this collection on this XXXX XXXX XXXX XXXX for months.XXXX and XXXX  have reversed them but TransUnion is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. 
I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''
Consumer complaint received 2018-10-19
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

To whom it may concern, XXXX XXXX SOC SEC XXXX DOB XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX to be blocked by name of source, such as creditors or tax court, and identify type of item, such as credit account, judgment, etc. ). 

This information does not relate to any transaction that I have made. I have enclosed a copy of my Identity Theft Report. In addition, I have enclosed a copy of section 605B of the Fair Credit Reporting Act, which details your responsibility to block fraudulent information on my credit report resulting from identity theft. Please let me know if you need any other information from me to block this information from my credit report. 

Sincerely, XXXX XXXX SOC SEC XXXX DOB XX/XX/XXXX ADDRESS : XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX Enclosures : Identity Theft Report FCRA Section 605B
Consumer complaint received 2023-10-13
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. (VA)

I am writing to dispute the validity of the debt reporting on my credit report. After careful review, it has come to my attention that the statute of limitations for these debts has expired. 

As of my last knowledge, the statute of limitations for the type of debt in question is up to 7 years only, and the last activity on this account occurred on XXXX. Based on this information, it is my understanding that the legal timeframe for pursuing this debt has lapsed. 

I am attaching the following photos for your reference : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review
Consumer complaint received 2023-10-13
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LAKEVIEW LOAN SERVICING, LLC (VA)

On XX/XX/2022, the XXXX XXXX Virginia tax assessor 's office granted me a 100 % property tax exemption of the base of my status as a VA rated 100 % permanent XXXX veteran. Since XX/XX/2022, I have repeatedly engaged my mortgage company to stop billing me more than {$280.00} per month in property taxes the county is not billing them. As of today, I have engaged both on the phone and in writing, to include sending the tax bills showing XXXX billable no less than six times every couple of months -- to no avail. When I stopped sending the tax portion with my monthly mortgage payment, they sent me a collection notice and a late payment fee each month. I just spent an hour on the phone with multiple representatives, each of whom claim they can not help me because their taxation is handled by a third party. The third party has no public phone contact information and has not returned any of my emails.
Consumer complaint received 2023-04-27
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. (AZ)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 



Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 



1. 15 US-CODE 1692E FALSE OR MISLEADING XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

2. 15 US-CODE 16921 XXXX XXXX XXXX Account XXXX : XXXX Delete this account. 

XXXX. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX XXXX XXXX The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XXXX  Please remove it from my credit report. 

6. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XXXX Please remove it from my credit report.
Consumer complaint received 2023-10-13
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: WELLS FARGO & COMPANY (WA)

I used my XXXX card from wells fargo to pay my rent, the credit limit was higher than the payment amount, for XXXX and XXXX payment it both bounces back and XXXX did not resolve my issue, and occured me XXXX dollars of fee for these XXXX transactions
Consumer complaint received 2019-03-21
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 feel I have been a victim Several Data Breaches resulting in possible Identity Theft. The latest being XXXX XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Consumer complaint received 2024-08-13
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: EQUIFAX, INC. (NJ)

The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ), these accounts must be verified ( A ). I will bring legal action against you if you do not verify these accounts. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$210.00}
Consumer complaint received 2019-03-21
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. (OH)

I feel I have been a victim Several Data Breaches resulting in possible Identity Theft. The latest being XXXX  XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Consumer complaint received 2024-08-13
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: EQUIFAX, INC. (FL)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX
Consumer complaint received 2023-10-13
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)

In accordance to the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 instruction.
Consumer complaint received 2018-10-19
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. (CA)

I have disputed the late payments on this XXXX XXXX  XXXX account for months. XXXX  and XXXX have reversed them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX. on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX. on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Consumer complaint received 2018-06-25
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: LCO Financial Services, LLC (OH)

I have been the victim if identify theft and fraud and can not seen to to undo the results of this as it pertains to crimes relate to payday loans. 

I believe an intermediary was used with my identification to see what " hits could be found '' in reguards to a quick payday loan. : I have recieved emails from the following intermediary but have been unable unable to make contact with them as their phone line is only useful for loan application. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX ; XXXX, FL XXXX ; ( XXXX ) XXXX I subsequently recieved communications from payday loan vendors associated with tribal affiliations. 

One was a loan application which was ( fortunately ) denied on XX/XX/018. 
XXXX, XXXX Also goes by XXXX., an economic arm of the XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, MT. XXXX. Phone ( XXXX ) XXXX XXXX XXXX A police report has been filed on XX/XX/2018 and will be sent to them requesting all date be expunged. 

The initial payday loan vendor was Blue Loan Trust, who did a " soft credit '' check and approved a loan and has been calling me since. I have filed a police report whic has been sent and the Blue Loan has yet to aknowledge the fraudlent loan and contiinues to call me and send emails.They have not been helpful and have withheld information. My credit has been blocked, so it is disturbing that they approved such a loan. 
The are part of : Hummingbird Funds , LLC an ecomnic development arm of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
Mail : LCO, XXXX XXXX, XXXX, WI XXXX, Customer services : ( XXXX ) XXXX FAX : ( XXXX ) XXXX
Consumer complaint received 2018-10-19
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: LDF Holdings, LLC (MN)

Loan at last is not licensed to lend in Minnesota. To date I have paid {$750.00} on a {$700.00} loan. They are debiting my bank account {$94.00} per week, which is supposed to end in XXXX. Almost none of what I have paid already is going to the principle. This is predatory lending.
Consumer complaint received 2018-10-19
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: EQUIFAX, INC. (AL)

I have submitted letters on the following dates to Equifax, XXXX  and XXXX  : XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. and XX/XX/XXXX requesting that XXXX XXXX XXXX XXXX accounts either by validated or removed from my credit report. I have not received any validation as of todays date. This account is showing 180 days past due which is severely impacting my score. I am currently serving in the US military and am protecting from this late reporting by the Service members credit relief Act ( since the debt was incurred prior to entering XXXX XXXX )
Consumer complaint received 2018-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

on XX/XX/18 I requested auto loan through Transunion website. I was automatically enrolled in a subscription for credit protection with automatic monthly charge after trial period. No where did I accept the automatic charge option or request there service. I cancelled successfully but needed to call for cancelation. There was no complaint department for transunion per the person on the phone.
Consumer complaint received 2023-10-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Capital One Bank in XXXX, Tx allowed 4 unauthorized checks totaling {$19000.00} to be mailed out in checks to fake people names across the country. The checks were XXXX and XXXX. I notified them immediately when I noticed this and they stopped some, but the four checks above got through and they said I was liable. These checks got through even after I had informed them of all the fraud going on in my account. I kept calling them asking why are they continuing to mail new checks out for these large and unusual amounts to people I have never heard of. They had no answer. They also never informed me once by text, email nor phone to see if these large and unusual payments were legitimate. I am also on XXXX and can not afford this loss.
Consumer complaint received 2021-03-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK (AZ)

I had fraudulent activity that occurred on my Discover card, I called Discover as soon as I noticed the charges and disputed them. During my first phone call they advised me I did not have to file a police report. After their investigation they did not deem it as fraud because the charges were spent at stores that I had previously purchase items at. This went on for six months starting in XXXX when the fraudulent charges began. Discover Unwilling to re-review and remove these fraudulent charges unless I have a police report. I reached out to the police and they said the camera footage from the stores the purchases were made or not kept for that amount of time. So now Im stuck paying for charges that I did not make and discover will not do anything about it
Consumer complaint received 2018-06-25
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (NY)

I have on several attempts to reach my student loan holder XXXX XXXX XXXX, and have been unsuccessful finding a phone number that works. My load servicing provider AES refuses to connect me with the loan holding bank and is unable to provide loan details and/or discuss resolution. 

I feel that I have a right to speak with my creditor and discuss my loan, review contract details, and work directly with the bank that owns my debt. I have paid {$21000.00} on a {$22000.00} loan with a balance of {$20000.00} this is unethical.
Consumer complaint received 2023-04-27
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: Experian Information Solutions Inc. (MO)

I've asked Clarity Services Inc., a part of XXXX, to investigate inaccurate information that is reporting on my credit report. This information includes a bankruptcy, late payments, charged off accounts and erroneous information related to my name. I do not have mailing address history with the reporting errors, and have asked Clarity to investigate and remove these errors from my report. Attached is information I sent to them via postal service, along with all pertinent identification. 

There is no legitimate reason for this company to reject my dispute letters. I have also attached screenshots directly from their website that clearly state their identification requirements, and this proves that I followed correct protocol. 

The bankruptcy, charged off accounts, and late payments being shown as mine by Clarity are reporting fraudulently, is not true, accurate, or legally verifiable and this violates CDIA standards.
Consumer complaint received 2018-06-25
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: WEBSTER BANK, NATIONAL ASSOCIATION (CT)

I have automatic with drawl from my business checking account every month for the mortgage payment in the amount of {$2900.00}. Each month I make a cash deposit so the payment will clear. My payment is due by the XXXX of every month.XX/XX/XXXX I deposited {$3000.00} cash. Webster Bank with drew the payment on XX/XX/XXXX and assessed my account a late payment fee in the amount of {$140.00}.  Webster Bank refuses to waive the late fee because they state my {$3000.00} cash deposit takes three days to clear. Webster Bank practiced the same solution for the XXXX payment as well. I feel Webster Bank is not practicing fair trade.
Consumer complaint received 2018-06-25
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AES/PHEAA (IN)

I was sent a delinquency notice for a student loan that I co-signed. The American Education Services raised the monthly amount without notification by phone or letter. When I called the company I was transferred 4 times to a different customer service representative. When I asked to speak with a supervisor I was told there was no supervisor available. During the 4 conversations I was told two different dates as to when the monthly amount was changed. One representative stated it was in XXXX of 2017 and another stated it was in XXXX of 2017. I asked the representatives why I was not notified by mail or by phone of the change and one representative answered and said they did not have to notify me because I was only the co-signer and that I would only receive a notification when the loan was delinquent. When I received the delinquency notices there was no mention of the monthly amount being changed. 

American Educational Services also has harassed me for information regarding the other borrower on the loan by calling me in the middle of the night around XXXX - XXXX in the XXXX. They have also contacted family members in the past and have spoken about loan information with other family members who were not on the loan. 
The practices and tactics they have need to be reviewed and investigated as it seems to me is illegal.