davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-03
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (FL)

On XX/XX/XXXX, I traded in my XXXX, XXXX XXXX ( XXXX : XXXX ) to the XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX. XXXX XXXX, FL XXXX ). 

It was recently brought to my attention that when the XXXX XXXX XXXX XXXX sent the payoff information to XXXX XXXX XXXX, they refused to accept the payoff payment because the check was from a third party. Nowhere in the contract did it ever state that this was an issue and may cause problems when trading in the vehicle, nor were there any instructions regarding this when I requested a payoff quote from XXXX XXXX XXXX. 

Then XXXX waits over thirty days from trading in the vehicle to notify the XXXX dealership and me of the issue. I contacted Infiniti and spoke to several employees who said that XXXX would have to contact a local Infiniti and give them payment to forward to Infiniti Financial Services because they will not accept direct payment from XXXX. I do not understand why the company refuses to accept payment, causing problems for the XXXX dealership and myself. Now Infiniti is attacking my credit report when they had every opportunity to accept the payment and remedy this problem. I then contacted XXXX to tell them about the information I obtained from XXXX. They said they attempted to contact two local XXXX dealerships who refused to assist XXXX with anything regarding this account I believe that XXXX XXXXl is exhibiting unfair and illegal practices, and none of these issues are stated in the contract.
Consumer complaint received 2024-09-05
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. (IL)

I need your help with a false account on my credit report that has damaged my reputation. Your errors in handling my credit have caused significant distress, and I urge you to correct these mistakes so I can live peacefully with my family.
Consumer complaint received 2023-02-01
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: EQUIFAX, INC. (AL)

XXXX XXXX XXXXXX/XX/XXXX {$4800.00} XXXX XXXX XXXX XX/XX/XXXX {$510.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$810.00} XXXX XXXX XXXXXX/XX/XXXX {$540.00} XXXX XXXX XX/XX/XXXX {$500.00} XXXX XXXX XXXXXX/XX/XXXX {$72.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$1500.00} XXXX XXXX XXXX XXXXXX/XX/XXXX {$520.00} In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-01-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ARVEST BANK GROUP, INC. (AZ)

Arvest Mortgage went through a merger. ARVEST IS STATING NO PAYMENT RECEIVED FOR 2 MONTHS BECAUSE THEIR SYSTEMS AREN'T REPORTING CORRECTLY AND WE ARE BEING FINED AND AT RISK OF BAD CREDIT REPORTING BECAUSE OF THEIR SYSTEMS -- WHEN WE PAID ON TIME. THEY ARE GOING TO RUIN PEOPLE 'S CREDIT. I got a letter in XXXX about the merger and changed the payee address in my banking institution portal XXXX XXXX XXXX XXXXXXXX ) immediately as advised by the letter ( and the rep when I called to confirm ). Without word to me, the account had been logging a failure to pay for 2 months without notifying me but when I log into my XXXX account -- it's paid for the last 2 months at the payment addressed advised in the recent letter. When I log into my Arvest account I can see payments attributed for the past 2 months, but there's also some weird late fees added even though my payments were not late. 
I got a letter today advising me of the unpaid status of my account, checked my XXXX  payments ( both cleared ) and the Arvest portal payments posted ) but when I call the Arvest # to talk to a rep there's a message telling us there's a payment problem and the letter says call them and use an extension but I recorded 3 times calling them and it sounds like it connects but then hangs up. Three times. I have 3 recordings. XXXX extension XXXX. 
WHEN I LOG IN I SEE ALL OF MY PAYMENTS MADE ON TIME but still got the letter. XXXX shows my on time payments ( I have autopay set up ). WE CAN'T REACH THEM. THEY WON'T TALK TO US. Also, the entire month of XXXX is MISSING from their online portal. I have a printout. 
Also, look at the image I attached. Two payments made the last 2 months for more than the amt due, received 1-2 days before the due date, but when I select all activity since XX/XX/2022 I only get from XX/XX/2022 and can't scroll down further and there's no additional page, and there are fines assessed even though my payment isn't late.
Consumer complaint received 2023-01-31
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (NY)

Paypal all the sudden changed its policy to put a hold on my incoming funds if it is over {$1000.00} in a rolling 30 day period. they said they can hold my money for up to 21days without any interest even.. This is XXXX Paypal has never done this before and this is completely inappropriate. They are i believe illegally holding consumers money for no reason. they have never done this before and i want my account put back to the old way with no holds on my incoming funds.
Consumer complaint received 2023-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (SC)

the following accounts are incorrect and are really hurting my livelihood and damaging my character. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

I respectfully seek your comprehension regarding the late remarks on my report, and I am fully dedicated to resolving them as per our agreement. My goal is to eliminate all the late remarks from my report, and I am enthusiastic about upholding a favorable record with your organization.
Consumer complaint received 2023-01-31
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: Nelnet, Inc. (GA)

Nelnet was put on notice and provided an Affidavit of Truth, Identity Theft Affidavit, Loan Discharge : Forgery Application, and a police report regarding the alleged debt of Federal Student Loans as of XX/XX/2023. I have given Nelnet with 5 days to delete this fraudulent loan from my consumer report and they have yet to follow up nor did they remove the fraudulent. Now ( XXXX ) has informed me that it will take XXXX weeks to remove an account that is not mine and has hindered my consumer file for years and I am not waiting XXXX weeks for a removal when this has gone on for YEARS! UNACCEPTABLE! 

I have provided Nelnet with enough time to gather evident or any other documents necessary prior, this has caused defamation to my character and my consumer file. Exhibit A will provide proof of received document via XXXX. As well as Exhibit B - XXXX with Nelnet confirmed on XX/XX/2023 at that they have received the documents uploaded into their system.
Consumer complaint received 2023-01-03
Product: Credit card or prepaid card — Store credit 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: CITIBANK, N.A. (MI)

I had filed XXXX separate disputes with best buy/citi group XXXX The first one was over the phone in XXXX of XXXX and the second was online in XXXX of XXXX. The phone dispute i received no official resolution on and kept paying my bill through the process. The online dispute was denied and i was provided with no proof of denial. They stated in the denial letter that they had evidence that the purchases were made and they were not fraudulent which is not possible as they were not purchased by me. A letter was then sent into the company asking for the proof and evidence to deny the claim and we heard nothing back. At that point we stopped making payments on the credit card as we felt upwards of XXXX dollars was not purchased by us. Then the balance increase from apr rates kept increasing. We felt that we were making payment at this point on purchases not made by us and on interest that kept going up based on purchases not made by us. The next time we heard from them was when we received a letter that our account was closed and that they were threatening legal action unless we made payment. We are willing to make payments on what is actually our balance, but again best buy/citi group has provided no evidence or proof of what is ours and what was fraudulently purchased. We are willing to go to court to defend ourselves against the fraudulent charges. Again we are willing to work with best buy on this matter but we will not make payments on a XXXX balance on our account that is not ours.
Consumer complaint received 2023-01-31
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. (NY)

I am being hit with a hard inquiry XXXX XXXX  Inquiry date of XXXXXXXX XXXX XXXX. I never applied for any new cards on said date and this inquiry was not made by me.
Consumer complaint received 2023-01-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: BARCLAYS BANK DELAWARE (NJ)

I have received this letter in reference to a credit card that has been closed by the company Barclays - closed by them in XXXX XXXX the account was paid in full, on time, with no disputes. closed by them for inactivity - which is accurate being i did not use the card once i had paid it off. 

i have called them twice, which both times they have insisted that the account is closed and that no further action is necessary on my part and they i will not recieve any further information. clearly they are still requesting information, and i believe they are preying on innocent consumers the letter insists that i send them sensitive and personal documentation that i believe to be both invasive and illegal especially considering none of this information was necessary for the opening of the original account nor was it ever requested while the account was opened. 

i believe it to be illegal for a credit card company to request the information they are requesting for anyone whether that be an active account or inactive and thus they should be stopped as sensitive information could easily be lost in the mail or could be compromised in any fashion leading to identity theft. additionally when i called the company ( twice ) they insisted that this was their policy for all accounts despite the clear security flaws and potential issues.
Consumer complaint received 2023-01-31
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. (MS)

XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX I noticed that these companies was reporting a collection debt on my consumer credit report. IRS Canceled Debts, Foreclosures, Repossessions, and Abandonments clearly states cancel debt is gross income. This company is in clear violation of my rights, under the New Rule Regulation F which took effect XX/XX/XXXX. They have violated the FDCPA XXXX and its new rule by parking this alleged debt on my consumer report. I've asked them numerous times to Cease and Desist this reporting of this alleged debt immediately. I never gave them written permission to put anything on my credit profile 15 USC 1681 b2. There offenses amount to AGRAVATED IDENTITY THEFT pursuant to 18 USC 1208 A.

15 USC 1681 section 602 A- states i have a right to privacy 15 USC 1681 b ( 2 ) - Permissible & written Instructions by the consumer ( me ) did not give the any written instructions to report anything t my consumer report 15 USC Section 604 A section 2- also states a consumer reporting agency can not furnish a account without my written instructions All 6 of these companies are in violation of 18 US code 1028 A- Aggravated Identity Theft XXXX. XXXX XXXX XXXX. XXXX XXXX  These two companies are also in violation of my consumer rights 15 U.S. Code 1681 a 2 ( A ) ( i ) Exclusions- except as provided in paragraph ( 3 ) the term " consumer report '' does not include ( i ) report containing information Soley as to transactions or experiences between the consumer ( me ) and the person ( XXXX XXXX XXXX XXXX XXXX  XXXX making the report. They also reported LATE PAYMENTS on my consumer report which is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

I Never gave those furnishers written instructions to furnish this on my credit report!

THEY HAVE VIOLATED THE FCRA 15 USC 1681a 2 ( A ) ( i )
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NY)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-09-05
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. (MA)

Consumer name : XXXX XXXX XXXX, Consumer social security Number : XXXX, Consumer date of birth : XX/XX/XXXX, Contents of complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C to 1681 c-2 ) that you, The XXXX credit reporting XXXX XXXX XXXX XXXX appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card opened account opened at XXXX XXXX Bank XXXX on XX/XX/XXXX under the account number # XXXX, A Phone Account at XXXX on XX/XX/XXXX under the account number # XXXX, An Auto loan at XXXX XXXX XXXX on XX/XX/XXXX under the account number # XXXX, And a Auto loan at XXXX XXXX XXXX on XX/XX/XXXX under the account number # XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  XXXX  report mentioned by you which shows the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer XXXX report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, or hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC identity theft criminal complaint # XXXX as proof from the US federal trade commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2023-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate XXXX payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section XXXX ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and XXXX have got into the hands of the wrong person.
Consumer complaint received 2023-01-03
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)

I mailed out a dispute on XXXX XXXX to credit reporting agencies about inaccurate information reporting on my consumer report. After 30days I received no response called the agency and was told by the rep they did not received the mail. I have proof of the certified delivery. I feel this is an attempt to not resolve my complaint which is failure to comply to my request. In accordance with the Fair Credit Reprting Act the you are in violation of 15 US Code 1681 section 604A states a consumer reporting agency CAN NOT furnish an account without my WRITTEN consent. Federal law overrides your company policy and I never gave you permission. 

XXXX # XXXX delete account XXXX  Account # XXXX delete account XXXX Account # XXXX delete account Inquiry XXXX XXXXXX/XX/21 delete
Consumer complaint received 2024-09-05
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. (OH)

XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  SSN : XXXX Date of Birth : XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION FILE NUMBER : XXXX RE : Trafficking Block Request Dear Sir or Madam : I am a victim of trafficking. The information listed below, which appears on my TransUnion credit report, is the result of that trafficking. 
Accounts : Account numbers : 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 
I also need the following names be removed from my TransUnion credit report which is inaccurate and never been known by that. 
XXXX XXXX XXXX, XXXX XXXX And the following addresses too should be removed since I have never been associated or lived there XXXX XXXX XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have attached a copy of my SSN card, Valid IDs, and a copy of signed self attestation form to prove I am human who has been a victim of trafficking, so I do not need TransUnion to say or write me and say they could not verify me or my account. 
Please block this information from my TransUnion credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. Section 605C ( b ) states that consumer reporting agencies can not provide consumer reports with adverse information about consumers who have been victims of human trafficking or sex trafficking if the consumer has provided documentation of trafficking to the agency. I have attached documentation of my self attestation to you TRANSUNION. 
Survivors do not need to provide additional evidence to prove their connection to trafficking, beyond self-attestation. 
Please send me notification of the actions taken. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in those account to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports