davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-07
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: TOYOTA MOTOR CREDIT CORPORATION (DC)

The regulatory representative from Mazda Financial Services ( MFS ) included rather crafty language in their responses to CFPB and XXXX to avoid addressing raised concerns, using formalities such as " We realize this may not be the response they desired, but we hope our above reply has resolved this matter amicably. '' I have placed phone calls from my number ( XXXX ) XXXX to Mazda Financial Services ( MFS ) at XXXX prior to raising regulatory complaints with XXXX. XXXX continues to pressure me into " fully [ discussing my ] end of lease options '' more times as a way to evade allowing me to purchase the vehicle and instead to try to sell me a new Mazda vehicle. I have indicated a clear inquiry into the third option of " [ purchasing ] the vehicle [ I am ] currently driving. '' MFS has not provided a detailed payoff quote with accompanying payoff procedures, as is owed to the customer.

Please make no mistake that additional complaint ( s ) will be raised with additional regulatory body ( ies ), including the Attorney General 's Office, if this matter is not expressly resolved.
Consumer complaint received 2024-01-27
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

The creditors is reporting inaccurate information in CAPITAL ONE Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. CAPITAL ONE XXXX
Consumer complaint received 2024-05-01
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. (CT)

I recently checked my credit report and I see some incorrect information on my credit report, can you please investigate this account info? 

account- XXXX XXXX account number- XXXX
Consumer complaint received 2024-02-07
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (DC)

I previously filed a complaint for this that was closed because the company simply responded. My complaint is not closed. 

Per the Fair Credit Reporting Act, it is not legal to just respond " we're working on it '' when you have received documentation discharging the loan. You are still reporting inaccurate information to credit bureaus and that's hurting my credit. Your system showed me nearing 30 days late so I was forced to make a payment on XX/XX/year> to preserve my credit. 

As of now, that payment is not reflected on the system and it shows me with a past due balance of {$150.00}. The documentation associated with the discharge expressly said I was no longer required to make payments. 

Your computer system demonstrates negligence. I sent a letter to you on XX/XX/XXXX demanding action within XXXX business days or I would file a small claims case in XXXX XXXX XXXX. Your lack of action leaves me no other choice.
Consumer complaint received 2024-02-07
Product: Debt collection — Auto debt
Issue: Electronic communications — Contacted before 8am or after 9pm
Company: CCS Financial Services, Inc. (MA)

I had XXXX XXXX as my auto insurance carrier. I was involved in a 5 car accident on XX/XX/year> and car was deemed totaled. I contacted XXXX XXXX  and informed tthem. At that time, my claim rep was XXXX XXXX and she transferred the claim three times. So they asked same to send proof of car being totals from insurance company and I did mail it. I had already paid my premium for the month of XXXX for XXXX and its drafted from my checking account on the XXXX of every month. They advised me not make the payment for the month of XXXX because of the vehicle being totaled and it was the last payment for the billing cycle and my policy was due to renew on the XXXX of XXXX for the next sixths month and XXXX XXXX was suppose to prorate me a refund back for the last 7 days of tue policy left. So I canceled my automatic withdrawal for the last payment and was waiting on my refund. I never receive any other communication but a text from Credit Collection Services informing me that my account is with them. This is very upsetting as I almost died in a 5 car accident, which I was hit and airbags deployed and I am due for a refund and they never sent me my money and reported me to the credit bureau as well.
Consumer complaint received 2023-07-11
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. (IN)

THIS ACCOUNT GIVING ME XXXX I CAN'T EVEN SLEEP WITH THIS, PLEASE REMOVE IT FROM MY CREDIT REPORT, I SEND ALL TE DOCS THEY NEEDED TO REMOVE IT AND I'M BEGGING YOU PLEASE..
Consumer complaint received 2023-01-23
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: WELLS FARGO & COMPANY (MA)

Spring XXXX we were behind on payments we were able to catch up on all the past payments XX/XX/XXXX. XX/XX/XXXX my XXXX XXXX was repossessed without notice from Wells Fargo despite the account being up to date. We could not afford to get the car back from repossession due to the high fees the company was demanding. My car was then auctioned off and about {$1400.00} remained on my loan which went into collections. This repossession had a VERY NEGATIVE effect on my credit score and left me without a vehicle and jeopardizing my job. We were able to continue making the monthly payments and were up to date with payments however the cost required to obtain my car back was not feasible.
Consumer complaint received 2023-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (TX)

I, the victim, was not aware of the fraudulent activities on my credit history. I noticed between the month of XXXX 2023 when I could not get approved for a vehicle and my credit started to decline. These actions were not taken by me. At the time, I was between the ages of XXXX trying to build my credit score and did not know anything about credit cards let along credit fraud. One account is within the amount of ( XXXX- {$11000.00} ) and the other ( XXXX XXXX {$4000.00} ) is wish to be removed as for my credit will rise and I wouldnt have to keep coming across this hassle.
Consumer complaint received 2024-02-07
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (CT)

I have a situation with XXXX companies involved XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. Comenity Capital for Ulta I have a credit card with XXXX XXXX. On that credit card, I used balance transfer to move my balance from Comenity ( Ulta ) with the intention of paying off Ulta so that no interest accrued. The balance transfer was initiated XX/XX/XXXX by XXXX XXXX XXXX XXXX sent a physical check to the payee, Comenity. My XXXX XXXXXXXX account gained the {$340.00} balance. 

Comenity ( ulta ) did not receive payment. My payments were paused for investigation. 

I called XXXX XXXX to see who the check was sent and cashed. The check sent from XXXX XXXX had one error in the po box number, however, was still written out to Comenity Ultamate Rewards. The back of the check shows it was cashed by a third party, XXXX XXXX XXXX XXXX. 

I provided the copy of the check to Ulta, and they have since concluded that this check was cashed by another company, and I am responsible for the full balance plus the interest accrued making my balance even higher than the original payoff amount. I also still owe XXXX XXXX, as this balance was added to my credit card. 

I have asked XXXX XXXX to report this as fraud. The check they sent was not cashed by the intended payee. 

Both XXXX XXXX and Comenity ( Ulta ) have stated it is up to the bank that cashed it, XXXX XXXX XXXX to refund me. I can not get through on phone as they will not speak to me, I am not a customer. Today XXXX I went into a local Branch who stated I would have to deal with XXXX XXXX. 

XXXX XXXX has deposited a check made out to Comenity Ulta which is fraud.
Consumer complaint received 2023-05-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I have thoroughly reviewed my credit report and i would like to inform you of the inaccuracies it contains ( see list below ). I am requesting, under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 USC section 1681i, that you investigate these accounts.

1. 5 U.S code 1681i paragraph 5 any information disputed by a consumer found to to be inaccurate or incomplete or can not be verified shall promptly delete from my credit profile or modify that item of information as appropriate based on the results of XXXX XXXX XXXX  Account Number : XXXX This is a violation of my rights. Please delete 2. 15 u.s. Code 1681 Congressional findings and statement of purpose ( a ) it states accuracy and fairness of credit reporting date opened is not accurate date of last activity is inconsistent XXXX XXXX Account XXXX : XXXX This is a violation of my rights. Please delete 3. 15 u.s. Code 1681 Congressional findings and statement of purpose ( a ) it states accuracy and fairness of credit reporting date opened is not Accurate last reported is not Accurate XXXX  Account Number : XXXX This is a violation of my rights. Please delete 4. 15 U.S. code 1681e ( b ) compliance procedures Accuracy of report High balance is not accurate accross all credit bureau date of last activity is not accurate date opened is not accurate across all credit bureau XXXX Account XXXX : XXXX This is a violation of my rights. Please delete 5. 15 u.s. Code 1681 Congressional findings and statement of purpose ( a ) it states accuracy and fairness of credit reporting date opened is not Accurate last reported is not Accurate TBOM/ASPIRE Account Number : XXXX This is a violation of my rights. Please delete 6. 5 U.S code 1681i paragraph 5 any information disputed by a consumer found to to be inaccurate or incomplete or can not be verified shall promptly delete from my credit profile or modify that item of information as appropriate based on the results of XXXXXXXX XXXX XXXX  Account Number : XXXX This is a violation of my rights. Please delete XXXX. The following account is not mine XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2023-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

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 2023-07-09
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: Experian Information Solutions Inc. (FL)

XXXX INQUIRIES WAS RECENTLY UNAUTHORIZED WITHOUT MY CONSENT OR KNOWLEDGE WHICH IS A RESULT OF IDENTITY THEFT. TRIED CALLING ALL XXXX CREDIT BUREAUS ( XXXX, EXPERIAN AND XXXX ) WAS INSTRUCTED TO FILE A CFPB COMPLAINT AND UPLOAD REPORT ALONG WITH IDENTIFICATION. KNOWLEDGE WAS MADE WHEN MY LOAN OFFICER INFORMED ME DURING A CREDIT CHECK BEFORE MY TENTATIVE CLOSING DATE. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX, Transunion, and XXXX continue to report an allege debt that I do not owe. Before reporting this debt each company was required by federal law to send a notice for me to opt and and dispute this information before adding it to my consumer report.
Consumer complaint received 2023-05-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CBK, Inc. (CO)

I received a collection notice for an amount of {$630.00} from CBK ( http : //cbofks.com/ ) date XX/XX/XXXX. I spoke with them and was informed this was submitted by the creditor XXXX XXXX XXXX XXXX. They did not want to undertake any action when I informed them they sent this to the wrong person. They also had no other information they could provide other than a date of birth and the creditor name. 

In order to get more information, I spoke with the XXXXXXXX XXXX XXXXXXXX XXXX and was informed this debt was because of an unpaid ticket for running a red-light and driving without a license in XXXX, Kansas in XXXX. 

However, this debt is for a person with a similar name to mine. The only difference is they have a middle name, and I do not. When XXXX XXXX  XXXX involved CBK to collect this debt they sent the full name and date of birth for this person. And CBK decided that this person is me and sent a collection letter to my address. 

I have no middle name, I have never had a middle name, and I have never gone by any other name. All of my official government issued documents ( Passport, Driver 's License, Birth Certificate, Vehicle Registration, etc ) do not have a middle name. 

Furthermore, I have never been to Liberal, Kansas, I have never lived in Liberal, Kansas, or any other place in Kansas. I have never even passed through, or set foot inside of Kansas. 

This debt collection was mistakenly to the wrong person, solely based on the fact that we have a similar name, and the same birthday. CBK did not undergo their due diligence when sending the debt collection letter to my address.
Consumer complaint received 2023-12-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

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 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 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 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CarMax, Inc. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XX/XX/2023 I'm writing to say that the law, called the Fair Credit Reporting Act, protects my privacy. It says that companies like XXXX and XXXX, which share people 's financial information, must be fair and respect my privacy. Another law, 15 USC 6801, says that financial institutions, like the ones sharing my information, have to protect my privacy. I don't want them to share my information, and they need my permission to do so. Even if they had my permission before, I'm taking it back now. 15 USC 6802 says that a financial institution can't share my private information unless they explain how I can say no. They never told me I could say no. Moreover, another law, 15 USC 1681C, says that they can't share negative information about me without my permission. But they're doing it anyway, which is against the law. There are more laws, like 15 U.S. Code 1681s2 and 15 U.S. Code 1681e, that say companies like XXXX and XXXX must be careful and accurate when sharing information. But it seems like they're not following those rules. One more thing, according to 12 CFR 1016.7, I can choose not to let them share my information at any time. So, I'm choosing not to let them do it anymore. Thank you for understanding. Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-02-06
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Affirm Holdings, Inc (PA)

Under the FCRA Regulatory Laws and Guidelines protecting Consumers, I have urgently notified AFFIRM , INC numerous times that this Account must be Closed and Ceased. Due to the Fraudulent and Inaccurate reporting 's of MisInformation about the total balance amounts, payment history, and term agreements regarding this account.

AFFIRM , INC has committed complete Identity Theft by knowingly furnishing incorrect and false information regarding this Account, in an attempt to collect more monetary gain unethically. My monetary obligations to Affirm were paid in full years ago and they continue to report illegally false balances to XXXX. 

It has also been brought to my attention that AFFIRM , INC is also ILLEGALLY SELLING my personal information such as Social Security Number, Home Address, Email Address, and Phone Number to several Third Party Entities that I DID NOT AUTHORIZE or give consent to do at ANY TIME. This is a complete violation of my Federal Consumer Rights, Federal Consumer Laws, and is out right illegal. AFFIRM, INC. is abusing their power as a Creditor is attempting to take advantage of Consumers, by capitalizing off of them in unethical and illegal ways.
Consumer complaint received 2021-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I was charged for XXXX  equipment rental. However, the equipment was not mine. XXXX  did not verify the equipment or billing and submitted this information to the debt collection agency. 

I was charged {$490.00} for equipment that I never received at an address I never lived at. XXXX XXXX XXXX ) XXXX  submitted this to XXXX XXXX XXXX and reported this delinquent on my credit report. 

I paid the debt XXXX XX/XX/XXXX XXXX to get this removed but I am due a refund and for this to be removed from my credit report immediately.
Consumer complaint received 2023-05-01
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: AMERICAN PACIFIC MORTGAGE (TX)

Between XXXX and XXXX of 2021 ; I took action via a credit reporting service to have older and inaccurate information on ALL my credit reports be removed. ALthough some information has been removed, unfortunately not all the information was removed and therefore is causing a halt and sometimes negative affect on my reporting. To maintain accuracy and truth to my reports, I'm taking action myself to ask for items to be removed from my account based on the laws listed below : According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written permission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Consumer complaint received 2023-08-31
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. (TX)

I'm XXXX XXXX, and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
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