davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-24
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: Exeter Finance, LLC. (MD)

My vehicle was financed through Exeter Finance on XX/XX/XXXX. It was repossessed on XX/XX/XXXX and I retrieved my vehicle out of repossession XXXX of XXXX. My registration was due to renew on XX/XX/XXXX. When I tried to renew my registration, the DMV informed me that Exeter took my name off of the title. I contacted Exeter multiple times starting in XX/XX/XXXX and they told me that I should have received a power of attorney letter right after my repo in XXXX to reinstate my name back on the title. I informed them that I've never received the letter. They said that another POA letter will be sent out but they kept sending the letter to my old address after I told them multiple times what my new address was. 
I finally received the letter around XX/XX/XXXX and sent it right back to them in which they received it the next day. ( This whole time I've been making payments on a car that wasn't legally my own ) They told me that everything should finally be cleared up and I should be able to renew my registration on XX/XX/XXXX. When I reached out to the DMV on that day, they told me that Exeter still didn't put my name on the title. When I called back, Exeter said that they still haven't processed. As of today, XX/XX/XXXX when I called back to check the status, the manager was rude and nasty stating that I shouldn't have had the car repossessed in the first place. ( I lost my job at that time, that's why it happened ) Exeter failed me over and over again, they failed to take accountability for what happened and its been an absolute nightmare without any resolve. As of this moment, the issue haven't been resolved and I am still unable to drive my car.
Consumer complaint received 2024-06-24
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company communicating payment assistance or payment extension options
Company: CREDIT ACCEPTANCE CORPORATION (NJ)

I Purchased A XXXX SUV Through ( XXXX XXXX ) XXXX NJ during the time of purchase he original tuck price was XXXX and they had me at a 22.99 % percent interest rate which had went up to 35 % which left me paying XXXX by the end of my loan terms I had the truck for 4 yrs since XX/XX/XXXX during a pandemic when from my understanding late fees was haulted and illegal until further notice. My SUV recently got repossessed by the ( Credit acceptance ) which is the company lenders, Also As I went to recover my vehicle they informed to make full payment on remaining balance, which the very first time I called they said XXXX was due to recover it and than when I said I was coming it changed to I had to pay the remainder of the balance which was XXXX when I go to my consumer report it says XXXX which is misleading on my consumer report and also they said I only had 30 days to pick it up before it was sold than said 60 days and the vehicle remains unsold and stilI reporting and damaging my consumer report would like these company investigated and would like these charges removed from any of my personal consumer report and will continue to take legal action.
Consumer complaint received 2024-06-24
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: Bread Financial Holdings, Inc. (GA)

XX/XX/year> Comenity Bank called I told them I would give them a call to make a payment. The customer services representative agreed, but they still called everyday none stop even on the weekends early in the morning. I won't this company to stop violating rights with the phone calls.
Consumer complaint received 2021-02-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PASCO, Inc (MI)

On XX/XX/2021 I started receiving phone calls from CELCO, a debt collector, with regards to a debt that is not mine, but rather my Mother in Law. 

I have received a call every 55 minutes for the last two days. I have spoken with three people there, only one of which I got their name, that being XXXX. 

After determining that they are looking for a relative, I let them know that they have the wrong number and to please remove me from their list. Yet, the phone calls have persisted. I was told that there is " nothing that they can do '', and that the phone calls would continue for up to 48 hours. 

The number that they're using is XXXX. I find it very hard to believe that they can't remove my number from their calling queue. They just don't want to be bothered, well, neither do I. 

I should not have to quit answering my phone just to get them to quit calling a phone number that they have been told is not valid.
Consumer complaint received 2024-06-21
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: General Motors Financial Company, Inc. (CA)

The derogatory rating on my account is causing me significant distress. Its impact on my credit has been severe, already resulting in a rejected loan application and increased interest rates on my existing credit accounts. This negative rating has caused, and continues to cause, substantial financial hardship and emotional strain.
Consumer complaint received 2024-06-03
Product: Credit reporting 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. (IL)

I just recently looked at my credit report XX/XX/XXXX. I saw some hard inquiries that did not have permissible purpose. I also attached evidence. 

XXXX. XXXX XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due violation of 15 USC 1681b. 

XXXX. XXXX XXXXXXXX XXXX XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due violation of 15 USC 1681b. 

XXXX XXXX XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due violation of 15 USC 1681b. 

XXXX. XXXX XXXX XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due violation of 15 USC 1681b. 

XXXX. XXXX XXXX XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due violation of 15 USC 1681b. 

XXXX. XXXX XXXX XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due violation of 15 USC 1681b. 

XXXX. XXXX XXXX XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due violation of 15 USC 1681b. 

XXXX. XXXX XXXX XX/XX/XXXX, XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due violation of 15 USC 1681b.
Consumer complaint received 2019-10-28
Product: Mortgage — Conventional home mortgage
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ASPIRE FINANCIAL INC. (TX)

On XX/XX/19, I sent an online inquiry to TexasLending.com to check the rates for a cash out refinance of my home mortgage. After speaking with an agent, I was told they would only do a " soft pull '' and it would not affect my credit. After going over the rates the agent helping me and I agreed that they could not give me a rate and loan better than what I currently had. Then a few days later I received loan docs from them and got a phone call to remind me to complete the docs in a timely manner. I told them I was not getting a loan through them and that they needed to contact the credit reporting bureau to remove the inquiry from my Credit. They agreed and as of XX/XX/19 they have not done this.
Consumer complaint received 2024-06-12
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. (AL)

I am writing to complaint to TRANSUNION about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX, AL XXXX, and my name is XXXX XXXX XXXX. My birthdate is XXXX. The FTC report numbers related with this complaint are XXXX, XXXX, XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to delete them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus.
Consumer complaint received 2024-07-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NY)

I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.
Consumer complaint received 2024-06-24
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: TOYOTA MOTOR CREDIT CORPORATION (TN)

Greetings. 
Employees at Toyota Financial Services were asked to produce the original promissory note which would have my signature signed in nature, other wise any copies which they produce are forged copies which theyve sold as bad checks. An employee from Toyota Financial Services admitted that auto loans work just mortgages and that they sell promissory notes ( securities instruments ) only to return the legal tender/credits back to the customer as loans. They never gave customers consideration for the note and therefore the customer is left hanging high and dry without compensation when the note was discharge as payment for the goods. They never provided the customer with a loan so why are they being allowed to coerce legal tender from XXXX and XXXX under threat to have their property repossessed for non payment over something they never loaned in the first place?
Consumer complaint received 2024-05-09
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. (MA)

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.
Consumer complaint received 2017-10-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (MO)

XXXX XXXX XXXX XXXX ( formerly Nationstar ) purchased condo insurance coverage ( HO-6 ) on our behalf that we already have on our current master policy. I have tried repeatedly to correct the problem, including providing a copy of our master insurance policy and making three separate phone calls. After each effort, I was informed that we had adequate coverage and that I did not need to take further action ( i.e., purchase additional coverage. ) Our mortgage was transferred from XXXX to Nationstar on XX/XX/XXXX. We were informed that our condo insurance had expired ( which it had not ) and that I needed to provide a copy of our master. It was faxed XX/XX/XXXX and when I followed up with a call on XX/XX/XXXX, I was informed, per automated message, that our records had been updated and that no further action was required. We then began receiving letters informing us we needed additional coverage. On XX/XX/XXXX, I talked to Customer Care Specialist ( CCS ) XXXX, who informed me that our info from our master had been incorrectly input, that she would correct the problem, and that we had adequate coverage. Subsequently we received another letter informing us we needed additional coverage. On XX/XX/XXXX, I talked to CCS XXXX, who made a three-way conference call to our condo insurance company and talked to XXXX ( XXXX XXXX. XXXX, XXXX XXXX, MO ), who confirmed that our master does indeed cover HO-6 (  aka " walls in '' ) coverage. XXXX agreed to remove the insurance purchased on our behalf by Nationstar ( now known as Mr. Cooper ), including all charges. In XX/XX/XXXX, we received our latest escrow analysis and the charges for the unnecessary insurance have not been removed and our monthly mortgage payments have been increased.
Consumer complaint received 2024-05-09
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (NV)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2024-08-01
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (MI)

I recognize the importance of removing any incorrect information from my credit report as specified by FCRA 605B. Could you please review the attached documents? I've noticed discrepancies in several accounts, which is quite concerning.
Consumer complaint received 2023-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare a final appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable accounts that are keeping to be established as correct. Be sure to generate me with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding this account. XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-22
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (IL)

Carrington stated that if I made a partial payment to come up with a full payment, the entire amount would be applied as a payment. This is stated on my loan statement. 

Instead, they put the part of the payment as a principle curtailment ( in contrary to what the statement said ) and now is showing a late payment and late charges. I was told months ago that it would be corrected within XXXX hours when I called and spoke with customer service. 

Each time I make a payment, they are showing it as the previous months payment and continuing to send me late payment notices, charge late payments and threaten foreclosure. 

On my XXXX Statement, I had a {$1100.00} Partial Payment ( unapplied ) XX/XX/17 Statement, still there. 
Between the XXXX and XXXX payment, I paid an additional $ XXXX to make it a full payment, per the *partial payment language on my statement! and the $ XXXX just disappeared. 

I called and was told they'd fix it to be XXXX full payment applied. 

Now they managed to eat up all my {$380.00} in fees, put me 30 days behind and keep charging other fees. This disappeared on my XXXX and XXXX statement but showed back up in XXXX to be used for fees! 

At this point, I should be paid in full through the end of XXXX and my XXXX payment being due XXXX. 

Thank you.
Consumer complaint received 2023-04-11
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. (CA)

Hello, I am writing to file a formal dispute against several creditors who have violated the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Credit Transactions Act ( FACTA ), and the Equal Credit Opportunity Act ( ECOA ). 

As per the details of my complaint, I have experienced severe financial hardships due to the unverified and inaccurate information that creditors have reported to consumer reporting agencies. The specific sections of the laws that may have been violated are as follows : Fair Credit Reporting Act ( FCRA ) Section 607 - Requirements for Consumer Reporting Agencies to Correct Inaccurate Information Section 610 - Conditions and Form of Disclosure to Consumers Section 611 - Procedure in Case of Disputed Accuracy Section 623 - Responsibilities of Furnishers of Information to Consumer Reporting Agencies Section 626 - Disclosures to FBI for Counterintelligence Purposes Fair and Accurate Credit Transactions Act ( FACTA ) Section 612 - Disclosures to Consumers Section 613 - Timing of Dispute Investigations Section 614 - Consumer 's Right to Dispute Information Section 615 - Requirements for Reinvestigations Equal Credit Opportunity Act ( ECOA ) Section 703 - Prohibition Against Discrimination Section 704 - Regulations to Carry Out the Purposes of this Subchapter Furthermore, the creditors have listed several inaccurate and unverified addresses on my credit report, which is a direct violation of FCRA Section 607. Also my current address is XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, But bureau reported that I have many addresses like XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, CA XXXX The creditors ' actions have severely impacted my life. I have been denied credit and loans due to the inaccurate information on my credit report, which has prevented me from purchasing a home or a vehicle. Additionally, it has caused me significant emotional distress, and I have been unable to sleep or concentrate on my work. 

Therefore, I am requesting that you enforce the legal provisions outlined above and ensure that the creditors remove all unverified accounts from my credit report. I would appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-06-03
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. (CA)

i recently reviewed my credit report and noticed an account that was not reporting accurately. i had two late payments on an account that it was in fact paid on time. the consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments. Ive attached a copy of my report to this complaint on the following dates, XXXX XXXX im now requesting you to investigate this account and update these payments to paid on time immediately. thank you for your understanding and prompt action.
Consumer complaint received 2023-04-11
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: EQUIFAX, INC. (GA)

I was doing my regularly credit report check and noticed that there was a strange account from XXXX XXXX XXXX XXXX on my credit file. I never opened any accounts nor done any business with that company, therefore its been fraudulently opened. The account was opened XX/XX/2022 ( 1 yrs, 2 mos ) and shows as open. I request that this account be erased from my credit file and any internal database, as I am not liable for any accounts opened without my knowledge or consent under Section 609 of the FCRA. This couldve been completely avoided had you all followed the necessary precautions given that I have an active security freeze on my credit file due to prior identity theft involving my sensitive information.
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX XXXX XXXX XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX XX/XX/year>
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CT)

I recently reviewed again my XXXX, Experian and XXXX credit reports and it still shows unverified and fraudulent information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n. This is a violation of 15 USC 1681n for reporting false information and without a permissible purposes.