davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AUTOMOTIVE CREDIT CORPORATION (CA)

I finished paying my car noteLast year XXXX ( 2022 ), however sometime before that, in XXXX ( 2022 ), about a month before i made my finalpayment, Automotive credit corporation ( acc ) reported that I was 30 days late on my payment. I called several time and exchanged emails etc. XXXX ( rep from ACC ), respondedwith justifications as to why that late report is on my report etc. ( see thread ) Eventually, your team sent me my title but the late payment report had already been done.

I recall talking to ACC team several times in XX/XX/2022 about why my creditreport is showing more balance than it should. A team member informed me that automotive is changing its systems and for that reason, balances showing on each credit bureau is different. I gave their team grace to correct this balance inaccuracy. AroundXXXX XXXXXXXX, there still was no correction yet. ( I assumed automotive was still changing database systems ) Again, I emphasized to the representative that if i were late for my payment, Automotive will charge me a late fee and also report to the credit agencies. I stated that if that correction is not fixed, i will not make payment on time for my next month. ( All of this, i have on recording and i believe your team has on recording as well ). Indeed if i was late on payment, automotive quickly reported that late payment to the bureau.

Fast forward to today, this isscrewing me up big time because I can not purchase real estate whatsoever.

At this point, all I am asking is a resolution regardless of who is to be blamed. As customer goodwill/ courtesy ; is XXXX or anyone capable to update the creditbureauwith a letter or something so that it can be fixed/taken off my report?
Consumer complaint received 2023-09-20
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: NATIONS RELIABLE LENDING LLC (KY)

I was preapproved for a conventional mortgage with NRL mortgage. XXXX XXXX was the loan originator. This was in XX/XX/2023 that I got the preapproval. I went under contract XX/XX/2023 to buy a townhouse. Everything was submitted to underwriting. I submitted my earnest money. XXXX  XXXX with an RL mortgage came back and said there was a flag with KHC, the down payment assistance program who I had previously been preapproved with. XXXX  XXXX stated that the interest rate for KHC had gone up and I was no longer eligible for it with my debt to income ratio. This was the second mistake that XXXX  had made as my lender in the homebuying process. I was unhappy so I decided to apply with a different lender who informed me that even if we were looking at the interest rates even further back in time with XXXX  I still wouldnt have qualified, this different lender informed me that I never wouldve qualified for XXXX  to begin with. I believe the XXXX  XXXX with an RL mortgage was deceptive in the fact that she led me to believe I was preapproved with KHC assistance, when in fact, I was not. I would like this investigated, because I believe this to be a violation of XXXX.
Consumer complaint received 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (FL)

I'm a victim of identity Theft. My information has been exposed in the XXXX data breach. The following inquiries and addresses are not affiliated with me nor are they authorized by me and I would like them to remove from any affiliation with me immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance {$20.00} XXXX XXXX XXXX Balance {$680.00} XXXX XXXX XXXX XXXX Balance {$800.00XXXX XXXX XXXX XXXX XXXX Balance {$480.00} XXXX XXXX XXXX XXXX Balance {$460.00} XXXXXXXX XXXX XXXX Balance {$800.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX XXXX XXXX XXXX {$480.00}
Consumer complaint received 2023-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

I voluntarily gave the car back. Told them to pick up the car from another dealership twice. They still never got the car and they froze my payments. Then out of no where decided to mark me as late payments or missing payments when I no longer have the car in my possession.
Consumer complaint received 2023-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (LA)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-12-02
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I found out that I have two evictions on my credit report which I have no knowledge about and it has been filed since 2017. I requested and provide all documentations to prove that shouldnt be on my consumer report, but it still hasnt changed and its preventing me from renting and getting credit insurance and more. Please help me investigate and delete all those false inaccurate information on my consumer report so that I can be able to rent a place to stay
Consumer complaint received 2023-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

I voluntarily gave the car back. Told them to pick up the car from another dealership twice. They still never got the car and they froze my payments. Then out of no where decided to mark me as late payments or missing payments when I no longer have the car in my possession.
Consumer complaint received 2023-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I voluntarily gave the car back. Told them to pick up the car from another dealership twice. They still never got the car and they froze my payments. Then out of no where decided to mark me as late payments or missing payments when I no longer have the car in my possession.
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (FL)

Since XX/XX/XXXX, I'm unable to access my Equifax credit file online, either from their website or XXXX XXXX. I called Equifax CS XXXX and they stated that my file was " blocked '' due to a some issues with the information on it. They asked my to send proof of my identity ( driver license, W2 and/or Social Security card ) to validate and remove the " block ''. I sent a letter with all documents requested via Certified mail, they picked up the letter from their XXXX XXXX XXXX XX/XX/XXXX and I called on XX/XX/XXXX to see the status, the company 's rep confirmed that the " blocked '' was removed but I'm unable to see my file. When I'm doing my login to the Equifax.com, I received a popup message with the code : XXXX 
The problem is that my creditors can't access my credit file affecting me in the loan approval process.
Consumer complaint received 2024-04-24
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. (FL)

After sending complaints here in CFPB these negative items are STILL reporting and my complaints have NEVER been resolved. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE! Attached you will also find my ID as proof of my identity.
Consumer complaint received 2023-12-02
Product: Credit 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: GOLDMAN SACHS BANK USA (NY)

I have made a purchase of an XXXX XXXX from Apple XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2021 and I had applied for Apple Credit Card to take advantage of 3 % Daily Cash on Apple products, I did not like the phone so I had returned it 3 weeks after the purchase date exactly on XX/XX/2021. Here the problem happened when Apple refunded me they made a mistake on the statement bill of XX/XX/2021, they forgot to add a minus sign - to 3 % Daily Cash balance refund and they considered that balance as credit balance I owe them which is not true and they forced me to pay that balance to get rid from it. 
The price of the phone was {$83000.00} The 3 % of Daily Cash was {$2400.00} The wrong credit balance was {$2400.00} Because of that wrong statement bill my credit report got hearted because I travel a lot and I didnt expect that I have any money to pay them after I returned the phone to Apple Store but it wasnt the case and they sent to the credit bureaus that I missed the due date payment for 3 cycles which is not fair.
Consumer complaint received 2023-09-20
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Our Post office has a new mail person. She mis delivered my bill to neighbor and I did not get it for over a month. I had charged {$5.00} on a card. I called the cr card company. She promised to remove the {$5.00} late fee if I paid the {$5.00}. I did. She refused to provide written documentation of her promised but assured me it was " in the notes on the account ''. To show appreciation, I used the card the next month. When the bill came, I found she had not removed the {$5.00} fee and as a result, I now owed it plus additional fees and interest. I called and the rep confirmed the notes on the account did reflect that the gal was removing the {$5.00} fees from the month before BUT BECAUSE THE PERSON HAD NOT DONE SO, I now owed all of the fees. I told her I was fed up and would pay for this months purchases and close the account. She tried to talk me out of paying this months purchases. She PROMISED, if I close the account, I would not owe any of the fees they charged NOR ANY OF THE COST OF PURCHASES. That did not make sense. After I challenged her on that she said " Trust me, I do this all the time. You will not owe either the purchases or the fees if the account is closed. '' I told her I did not trust her. No way would I not owe for the purchases and no way I will fall for their tricks two times in a row. I told her I would pay for my purchases then close the account. What she was really trying to get me to do was not pay the bill so they could turn it over to collection and get even more fees. This is a scam. When I told her these conversations are recorded, she became very upset. She recorded it she said so therefore, I have the same right. Recording a call in which I participate is legal in Texas. I am reporting this so others who are scammed the same way can avoid being harmed. I paid for the purchases immediately. I did not pay the fees they twice promised to remove. I will close the account once my check has cleared.
Consumer complaint received 2023-09-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (MO)

What been I happening is I been waiting for closure check from chime for the past 8 month and they have yet to sent it so there been a couple issue when I file a dispute from XXXX they closed my closed my account I did first ask why they closed it over the phone and they couldnt give me a answer so then I ask if they could possibly reopen it because I had {$100.00} and I a didnt know they was closing my account if I knew I would took that money out of my account but the dispute amount {$1400.00} and they finished the dispute on XX/XX/XXXX but I still have not got it but I have proof of all the email and I told them the address was on file I dont live there so I believe they kept resending the check to my new address and the 3 month I provided new document proof of new address and they never got it until XX/XX/XXXX so they email me the amount they was sending and said it will be XXXX business day and I figure I would get the money by XXXX but no still dont have it and then all of sudden they telling me they sent it on XXXX to the new address and that a lie because they updated and confirm to me they have the address on file on XX/XX/XXXX and then there time they said no money is owe to me at this time then I have other response I get my check XXXX business expedite shipping but get not got it and they know it was part of my college money I really needed at the time around XXXX before my spring semester was over and I was in financial hold and I was also need to buy me a computer for this semester for school and I never experience a bank like that and then I also ask them if someone possibly cash that check since they sent it at the old address and if it was there need to be investigated but couldnt even tell me answer and I also called chime over the phone but they cant even help me and also supervisor and with supervisor are supposed to fix certain situation but how they do it they contact chime support and they would have to sent me email and I ask for tracking number and never give it to me through email and also over the phone and It been stressful
Consumer complaint received 2023-12-02
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ACI Worldwide, Corp. (CA)

XXXX XXXX XXXX XXXX XXXXCases Payment Amounts do not match what has been paid. Even with two amounts of {$65.00} there shouldn't be a difference so low. Today XX/XX/2023 at XXXX it shows an amount of {$1400.00} Current Account Balance. I just received from XXXX  on XX/XX/2023 that the amount that is owed since the Transfer from XXXX XXXX XXXX XXXX ( Case Number ( XXXX ) on XX/XX/2023 ). This amount would be {$1500.00}. My Father also sent me an email with an amount I sent him previously from XX/XX/2023 says an amount of {$1500.00}. All of my payments have been in the amount of {$65.00} and there have been at least 4 of them of which are contained within the account information. Which I have as well. If you subtract any of these amounts they just do not add up to {$65.00} paid on my card from the account information.
Consumer complaint received 2024-06-11
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 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. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 2023-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MD)

There is inaccurate information that keeps getting reported on my Experian report about my Home Depot credit card from XXXX ( XXXX ) They filed a 1099c cancellation of debt with the IRS discharging the debt on XX/XX/2020, which also means I paid taxes on this cancellation of debt that year because its considered taxable income. I filed a dispute with the company and Experian failed to report accurate and complete information. I have a transcript of my 2020 taxes from the IRS which clearly shows the debt was discharged on that date. If a debt was discharged, how can my credit report reflect a debt owed and past due balances for years after the debt was discharged? Experian is not doing their job according to the law.
Consumer complaint received 2023-09-20
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. (MD)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-06-26
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

According to 15 USC 1681b The law states that You have to give them written consent to furnish your information and or obtain your information to be reported on your credit report. Well I have not given them any type of permission.
Consumer complaint received 2024-04-25
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: Experian Information Solutions Inc. (MI)

Hello CFPB, I submitted three disputes with Experian about unauthorized inquiries and updating account information. Experian has declined to investigate the dispute by assuming I didn't personally submit the dispute. I attached my ID as proof of verification that I submitted the dispute. Please see below the list of the dates the disputes were mailed. 

XX/XX/2024 XX/XX/2024 XX/XX/2024
Consumer complaint received 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

According to FCRA 605B, we are required to eliminate any incorrect accounts from my credit report. Could you please review the documents? Some of the listed accounts are inaccurately reported. I am entitled to {$1000.00} for each incorrectly reported item on my credit file.
Consumer complaint received 2023-08-29
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. (NC)

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. 

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 has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 2023-09-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: AUTOMOTIVE CREDIT CORPORATION (OH)

I had purchased a vehicle in XX/XX/2023. My first payment was due in XXXX. Ive paid on time every month sometimes early. In XXXX, I got new insurance through XXXX, and Automotive Credit. They ended up canceling my insurance for unbeknownst reason. ACC spoke to them and changed the policy. I got canceled and I never even knew about it. I corrected the situation when I found out about it. I went with another insurance company, because I couldnt get any answers on why they canceled me. ACC charged me {$450.00} for 15 days XXXX policy, unbeknownst to me. I paid early and apparently they applied my regular payment to the insurance charges and showing Im 15 days late. Ive advised that Im not paying that amount for XXXX weeks in lapse of insurance. They refuse to work with me. I asked for them to take off the charge, XXXX XXXX refused. She did take off a late charge and told me to pay the payment a day late so it wont be applied to the insurance. I would like that amount. To be taken off and my payment to be applied correctly. They call me every day for collection and want me to pay. XXXX stated that nobody can apply the payment correctly, if she could she would. I asked to speak to someone higher and she stated XXXX and XXXX will not talk to customers. I get that I was supposed to keep insurance but I was unaware, especially since XXXX took out a payment for XXXX and then they canceled it, no reason given. I had set up automatic payments for that reason. Please help!