davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-10
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: ALLY FINANCIAL INC. (TX)

XX/XX/XXXX I purchased a vehicle from XXXX XXXX XXXX XXXX XXXX in XXXX XXXX, TX. The cash price of the car was {$17000.00}. I put {$200.00} down. The dealer convinced me I needed debt cancellation for an additional {$790.00}. I was also sold a preferred protection plan for 72mos or 70k miles for an additional {$2800.00}. Total financed at 12.54 % interest was {$21000.00}. my monthy payment is {$420.00}.
1 ) Dealer overcharged on price of car and products.
2 ) Single divorced parent of XXXX children with no knowledge of auto sales, taken advantage of by dealer and lender.
3 ) Ally Financial paperwork requesting extension and deferral of two payments to make loan current was approved on XX/XX/XXXX. Approval and proof of transmission of paperwork in hand.
4 ) Ally Financial in process of repossessing vehicle.
Consumer complaint received 2017-08-11
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Union Home Mortgage Corp (OH)

XX/XX/XXXX Faxed Modification packet to lender XX/XX/XXXX left VM to  check up on packet with XXXX XXXX. Auto teller dropped me into this VM. no call back XX/XX/XXXX, eft VM with XXXX XXXX. no call back. 
XX/XX/XXXX Mailed QWR, left VM with XXXX XXXX, called back without putting account info in, got XXXX. informed me the docs submitted were in review, with another request for further documentation. Passed on list to client. 
XX/XX/XXXX rec 'd documents from client, faxed them to lender.
XX/XX/XXXX again called in without account info input, got XXXX, who transferred me to XXXX XXXX who told us that the file is in review for decision and that the foreclosure was on hold and sale date postponed. 
XX/XX/XXXX called in with out acct info input, got XXXX XXXX, who informed me that on XX/XX/XXXX the file was removed from review, and foreclosure was reactivated. Told that another representative who could address this change would call me back in 2 hours. no call. I called back and was told that this would not change and notice was mailed out on the XXXX. Client has still not received that notice. 


I am including the recording of the XX/XX/XXXX discussion. We feel that a simple phone call could have prevented this issue from occurring. we feel they were grossly negligent in their communication practice in such a time sensitive issue. We also feel they should honor what was told to us on XX/XX/XXXX and review our modification packet.
Consumer complaint received 2017-08-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (VA)

On XX/XX/XXXX I entered into what was thought to be a standard 10-year repayment program with Navient Student loans. This was for both Stafford and Direct student loans. On XX/XX/XXXX my repayment amounts went up. I contacted Navient and they stated that my Direct loans were on a graduated repayment plan but my Stafford loans were on a standard repayment plan. I told the representative that I did not sign up for a graduated repayment plan for any of my loans, and that if I was going that route I would have done it for all of my loans. I asked her when this went into effect and she stated it started from my first payment on XX/XX/XXXX. She then stated that they have no record of the disclosure of terms of service being sent to me and they would send one now. I explained that I have spent 2 years paying interest only on the Direct loans and it does not do me much good to have a disclosure of the terms of service now but it would have been great to have it when I started. She stated they could move me to a standard repayment plan now, which would increase the total monthly amount by almost {$200.00} from my original payment. I asked what my standard repayment amount would have been and she said she was not sure as she would have to calculate it from the original balance, but it would have been lower than the newly quoted amount. I shared that I would not have agreed to making interest only payments for any portion of my loans for any time frame and that had I been disclosed that my Direct loans were on that program I would have immediately switched them to a standard repayment plan. She ended the call with saying she would put in a request to see how the Direct loans were originally put into a graduated payment plan, whether it was online or by phone. She also said they would be sending me a Terms of Service disclosure for the graduated loans that she had no record of ever being sent to me when the loans started. I told her I needed to check with a financial adviser prior to making any further changes of those loans and that I need to talk with an attorney.
Consumer complaint received 2022-09-01
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: SLM CORPORATION (GA)

My student loan is with Sallie mae. On XX/XX/2022, I was put into a loan program and I have been making payments for 2 months. Today on XX/XX/2022, I was told that they were going to force me to pay more which I can not do and the payments they took didn't help my account now I am past due to a mistake made on Sallie Mae 's end. During this time i received a large amount or harassing calls which Sallie Mae told me to ignore.
Consumer complaint received 2017-08-14
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: DISCOVER BANK (NY)

I have wrote numerous amounts of letters as to proof or actual application to the inquiries since I am a victim of identity theft and dont recall applying for these accounts. I also wrote to the major credit bureaus and nothing has been resolved
Consumer complaint received 2022-09-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (WV)

On XX/XX/XXXX, I purchased two license of XXXX XXXX XXXX software from XXXX online store for {$80.00}, but after receiving the license codes, they are foreign language XXXX  and did not work on my computer, so I contacted the merchant to provide me with the correct license. After several attempts, the merchant was not able to provide the valid license code, and I requested a refund on XX/XX/XXXX per return policy allows refund for the non-functional software. Since there was no response to my request for cancelation and refund, I asked the refund status on XX/XX/XXXX but to now avail. So I contacted the credit card company, CapitalOne, to dispute the charge XX/XX/XXXX. The Merchant responded with the refund policy and indicated that I did not request for refund on XX/XX/XXXX, but I immediately sent attached email response to the credit card company to re-dispute the charge. However, CapitalOne company denided my valid dispute and asked me to contact the merchant to resolve the issue directly. Since the merchant original website is no longer working and my request for their validity of the XXXX XXXX software, I could not work with the merchant directly. CapitalOne should send my re-dispute response back to merchant so that they should provide the validity of the XXXX XXXX software by providing their authenticity of the XXXX XXXX license.
Consumer complaint received 2022-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (UT)

LexisNexis, AND XXXX XXXX XXXX AND CRIMINAL HISTORY IS INACCURATELY REPORTING IN MY GOOD NAME WITH SAID ABOVE COMPANIES. 
DUE TO ID THEFT AND FRAUDULENT ADDRESSES WHERE I NEVER LIVED. 
PLEASE SEE THE ( FTC ) REPORT ATTACHED FOR ADDRESSES, IN THE JURISDICTION OF XXXX XXXX ILLINOIS.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (GA)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2022-09-12
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: CAPITAL ONE FINANCIAL CORPORATION (KY)

I XXXX XXXX am requesting my account information for capital one national Bank an requesting my debit card information that way i have it. I can't access what I need to an still not yet been able to do nothing. Does it have to be so aggravating to help me with my information
Consumer complaint received 2022-09-01
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NH)

Bank of America reported a delinquent payment to credit bureaus ( XXXX and XXXX ). I do not have an account nor a credit card with the Bank of America and I never received a bill or a notice regarding any dues! Yet they have reported it without my knowledge.
Consumer complaint received 2022-09-01
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. (MN)

In accordance with the Fair Credit Reporting Act Experian Creditor : XXXX XXXX XXXX, Account : XXXX, Creditor : XXXX XXXXXXXX XXXX XXXX, Account : XXXX has violated my rights 15 U.S.C 1681 section 602A states " i have the right to privacy '' 15 U.S.C 1681 section 604A section 2 states " A consumer reporting agency can not furnish an account without my written consent '' 15 U.S.C 6802B ( 1 ) ( B & C ) states ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; ( C ) the consumer is given an explanation of how the consumer can exercise that non disclosure option
Consumer complaint received 2022-09-01
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. (TX)

I have identified information on my consumer credit file that is a direct result of identity theft. These items on my consumer report are not related to any transactions authorized to be placed on my consumer credit file. My privacy rights have been violated. There are variations of account numbers and incomplete, variations of balances. My Social Security number, my date of birth and other sensitive information has been compromised by all three major credit reporting agencies which include XXXX, XXXX and TransUnion all three agencies have had data breaches. I have disputed with all the XXXX major credit reporting agencies only to be denied. On XX/XX/2022 my credit score plummeted over 100 points. This company ( XXXX XXXX has been on my consumer account with these inaccuracies. It has cost me a great deal of grief, money, time and stress. It has affected my health, credit score has decreased, for years I have been denied credit, denied employment, denied housing opportunities and loans.
Consumer complaint received 2022-09-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Theres XXXX fraudulent credit inquiries on my profile that needs to be deleted bellow is my IdentityTheft report and other documents
Consumer complaint received 2022-09-01
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)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. In previous months, I requested updating of inaccurate information which another credit reporting agency found to be inaccurate and had verified. Due to your lack of response, or responses which I classify as frivolous, you have dishonoured FCRA regulations and my request for verification. If you wish to correct this dishonour, I will give you one more chance to correct your errors and update my records. Please CORRECT the account, as it is already corrected from the other bureaus. You have 30 days to CORRECT this account listed below : XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance $ XXXX Late Date XX/XX/XXXX
Consumer complaint received 2022-09-01
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)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the item which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. Additionally, I was never late on this account, balance is incorrect. This is a good standing account. Please verify all information is 100 % true accurate and correct and is not untimely, unverifiable, incomplete or inaccurate. Please remove all negativity. 


XXXX XXXX XXXX  XXXX XXXX Open Date XX/XX/2016 Balance : {$640.00} -Late/Open Late Dates XXXX
Consumer complaint received 2022-09-01
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. (TX)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX, XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, CA XXXX NOT PROVIDED XXXX, TX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX & XXXX XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX RESIDENT VERIFY XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Reference # XXXX Date Filed/Reported : XX/XX/XXXX
Consumer complaint received 2022-11-16
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: Bread Financial Holdings, Inc. (GA)

Ive already filed a complaint about this company in regards to improperly using my credit report. The resolution was on XX/XX/22, the company requested the credit bureaus to remove the hard inquiries on my credit report. I was also instructed this XXXX take up to 45 days. As of today, XX/XX/22, these hard inquiries are still on my credit report.
Consumer complaint received 2022-09-01
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. (TX)

I am submitting this CFPB Complaint today to follow up the previous CFPB Complaint I submitted last XX/XX/2022 because I bleive that the Credit Bureaus haven't still corrected my Credit File. The Credit Bureaus have failed to provide me copies of documents to serve as pproof of verification to suppport their claims that the disputed accounts are verified and reporting only accurate information on my Credit Report. When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX Balance XXXX {$12000.00} XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$920.00} XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX {$4400.00} XXXX XXXX XXXX  XXXX Balance : {$5700.00} XXXX XXXX  XXXX XXXX XXXX : {$2700.00} XXXX  XXXX Balance : {$1600.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$540.00} XXXX XXXX XXXX  XXXX Balance : {$3000.00}
Consumer complaint received 2022-09-01
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CREDIT ACCEPTANCE CORPORATION (VA)

I sent a letter to XXXX XXXX XXXX XXXX, stating that in the " contract '' there were so many violation that I verified through 15 USC. I wasn't given the option to rescind, not documents were sent to me as the should pursuant to 15 USC 1635. The finance charge was disputed ad not being the sum of all charges as 15 USC 1605 was mentioned in letter. The contract states cash or credit not both. I paid a down payment of {$4000.00}. There is nothing on the contract about a cooling-off period, pursuant to 15 USC 1605 . The insurance was not included pursuant to 15 USC 1605. A email was received from XXXX XXXX ( XXXX XXXX ) XX/XX/2022, asking me to discuss my concerns. My concerns were clear in the letter sent and I asked that she reply to the letter. I then received a closed alert from CFPB and a response from Credit Acceptance. I then sent a email to XXXX XXXX XXXX of Credit Acceptance on XX/XX/2022. I later received a call from Credit Acceptance legal department asking me to call them which I returned the call and was told me " letter ' was received and they were reviewing it. At this point in all of this, I have been abuse, discriminated against, lied on and also taken advantage of by Credit Acceptance Corporation.
Consumer complaint received 2022-09-01
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: Resurgent Capital Services L.P. (TX)

I am a federally protected consumer and I am concerned that Resurgent Recievables may be in violation of my rights to privacy by violating the fair credit reporting act. According to 15 usc 1681a ( d ) ( 2 ) ( A ) ( i ) information relating to transactions and experiences are excluded from consumer reports, according to 15 usc 1681s-3 ( a ) ( 1 ) ( B ) consumers should be allowed to prohibit solicitation in regards to marketing and the sharing of such information. I, the consumer have never received an option to prohibit Resurgent Receivables and its affiliates solicitations and never gave Resurgent Receivables or any of its affiliates direct to solicit anything to consumer reports. Due to Resurgent Recievables and its affiliates negligent behavior I have been substantially injured and intend to file suit should my demands not be met.
Consumer complaint received 2022-09-01
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. (PA)

To Whom It May Concern, I am writing to dispute the following information on my credit report, I recently received a copy of my credit report, and i found the following inaccurate information reporting to my credit. 

XXXX Account # XXXX Account Name : XXXX XXXX XXXX : Date of last Activity Reporting : XX/XX/XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX : Date of last Activity Reporting : XX/XX/XXXX Experian Account # XXXX Account Name : XXXX XXXX XXXX : Date of last Activity Reporting : XX/XX/XXXX How can all three credit bureaus have three different dates on the same account. The dates of activity are incorrect and does meet FCRA. According to he Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of FCRA - You are required to promptly DELETE all information that is inaccurate, incomplete or which can not be verified.