davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-18
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. (FL)

In accordance with the fair credit reporting act, this creditor has violated my rights under 15 USC 1681 section 602, which states I have the right to privacy 15 USC 1681 section 604a section 2. It also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCs 1666 b, a creditor may not treat a payment on a credit card account under an open consumer credit plan as late for any purpose.
Consumer complaint received 2023-10-19
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. (PA)

Experian stated in reply to my CFPB Complaint # XXXX that I submitted on XX/XX/ : Experian stated in their reply on XX/XX/ : Description Of Non - Monetary Relief " According to our records the disputed information does not appear on your credit report. " Unfortunately, these XXXX accounts were never removed at any point from my Experian Credit Report and are still reporting on the day of this complaint ( 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 want all these accounts deleted from my credit report immediately. 

I can prove these items were never not reporting and I disputed them CFPB Complaint # XXXX XXXX stating that Title 15 U.S.C 1681Section 602 states I have a right to privacy, and 15 USC states a consumer reporting agency can not furnish an account without my instructions.

I can prove this because I subscribe to 2 credit monitoring services that I pay separate fees to each month.

Additionally, I also check annualcredutreporrt .com on a weekly basis.
Consumer complaint received 2023-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NJ)

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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 2023-10-19
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: SANTANDER HOLDINGS USA, INC. (NY)

In XXXX of XXXX, I was in need of a new vehicle. I went to The XXXX, NY in search of a new vehicle. I found a car on XXXX XXXX lot which has now changed their name. The sales guys I worked with was XXXX. As I reviewed the vehicles on the lot I came across a XXXX XXXX XXXX XXXX XXXX. This was a new vehicle that had just came on their lot and he said the price was {$10000.00} dollars. I spoken with the salesman XXXX to start the process to purchase the vehicle. due to my credit score I had to put a lot of money down. I made a {$6000.00} down payment on this vehicle and XXXX process the paperwork for me to finance of the remaining balance of {$4000.00}. I was told that my loan provider will be Santander Consumer USA. I received the vehicle and was told that the paperwork of the loan will be mailed to me because of Covid. They provided me how much I will be paying monthly and set up automatic payments from my bank until the paperwork comes in.After a few months I never received the paperwork I called the dealership and kept getting the run around. After time passedI I noticed that I was paying on the vehicle and I never received the paperwork. I called Santander Consumer USA inquiring about my loan. The representative shared that they had no record of a down payment on this loan and it was just an interest bearing loan. They mailed me the documents on file and from what I finally received in writing from them it shows the interest rate of 45 %. I have been trying to fight this matter since purchasing this vehicle. The paperwork they finally sent also shows a company name XXXX XXXX XXXX as the seller creditor who I have no idea who these people are. The number on the document provided doesnt add up nor is this my signature on this document. On my credit report my loan is now charged off with Santander Consumer USA but I never received any paperwork on the charge off. But, on the car retail installment contract XXXX XXXX XXXX is listed as the seller creditor.
Consumer complaint received 2023-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (LA)

I financed a used vehicle from XXXX XXXX XXXX in 2021 and I was aware that I was financing for the amount of XXXX. I have yet to get an update on my credit report. they are reporting late payments when i have made 24 on time payments which is more than the cost I agreed to finance. I have contacted XXXX XXXX, and they told me that my contract stated that I owe XXXX, which was not what I agreed to. I have been frauded of an auto loan. My signature was forged on a separate contract that I am not aware of I didn't agree to an auto loan for XXXX and I am aware of the violations of the TILA ( truth in lending act ) an XXXX XXXX is in violation of, Lenders have to provide borrowers a Truth in Lending disclosure statement. It has handy information like the loan amount, the annual percentage rate ( APR ), finance charges, late fees, prepayment penalties, payment schedule and the total amount youll pay. 
If a disclosure becomes inaccurate because of an event that occurs after the creditor delivers the required disclosures, the inaccuracy is not a violation of this part, although new disclosures may be required under paragraph ( f ) of this section, 1026.19, 1026.20, or 1026.48 ( c ) ( 4 ) .Creditors must re-disclose terms or costs on the Closing Disclosure if certain changes occur to the transaction after the Closing Disclosure was first provided that cause the disclosures to become inaccurate. There are three categories of changes that require a corrected Closing Disclosure containing all changed terms. ( 1026.19 ( f ) ( 2 ) ) Changes before consummation requiring new waiting period. If one of the following occurs after delivery of the Closing Disclosure and before consummation, the creditor must provide a corrected Closing Disclosure containing all changed terms and ensure that the consumer receives it no later than three business days before consummation. ( 1026.19 ( f ) ( 2 ) ( ii ) ; Comment 19 ( f ) ( 2 ) ( ii ) -1 ) The disclosed APR becomes inaccurate. If the annual percentage rate ( APR ) previously disclosed becomes inaccurate, the creditor must provide a corrected Closing Disclosure with the corrected APR disclosure and all other terms that have changed. The APRs accuracy is determined according to 12 CFR 1026.22. ( 1026.19 ( f ) ( 2 ) ( ii ) ( A ) ) The loan product changes. If the loan product is changed, causing the product description disclosed to become inaccurate, the creditor must provide a corrected Closing Disclosure with the corrected loan product and all other terms that have changed. ( 1026.19 ( f ) ( 2 ) ( ii ) ( B )
Consumer complaint received 2023-06-17
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. (FL)

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 ( Account # XXXX ), XXXX XXXX ( Account # XXXX ), XXXX ( Account # XXXX ), XXXX XXXX ( Account # XXXX ), XXXX ( Account # XXXX ), XXXX ( Account # XXXX ), XXXX ( Account # XXXX ) XXXX XXXX ( Account # XXXX ), XXXX  XXXX ( Account # XXXX ), and XXXX XXXX Account # 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 2023-10-19
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (NY)

Upon checking my XXXX XXXX account this afternoon XX/XX/23, I saw that I was charged a {$30.00} late fee even though I sent a {$30.00} payment on XX/XX/23 which was before the due date of XX/XX/23 but it was not posted to my account until XX/XX/23. I have attached proof of payment below When I called their customer service XXXX have attached proof of payment below center, the rep and two supervisors told me that they will not reverse the charge because they already reversed one late fee and that I am only allowed one late fee reversal every 18 months. 

I was also told that the payment was posted late because they have thousands of payments to process and that it is impossible to process all of them on the date they receive them.
Consumer complaint received 2023-10-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: M&T BANK CORPORATION (CO)

My mortgage company has mistakenly paid the property taxes of a parcel I do not actually own - resulting in a debt with the City Of XXXX on my parcel that I paid with my own money. 

I have called the mortgage company since XXXX and they have acknowledged the mistake- yet as of today I have not received my money back. 

I am calling them on a weekly basis and every time the operator is surprised like the issue is completely new and takes not real action. Sometimes they claim to escalate, sometime they say they put a note on my file, another time they asked me to upload proof of payment on my side, but nothing is happening. 

I do not see the end of the tunnel and could really use some help on the matter. 

Thank you, XXXX
Consumer complaint received 2023-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

A company called XXXX is reporting an account, XXXX, on behalf of XXXX XXXX XXXX XXXX on my transunion credit report. 
This account is NOT mine and is being reported fraudulently and unlawfully. 
I am a victim of identity theft with this account.
Consumer complaint received 2023-10-18
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (FL)

On XXXX of this year Discover Card closed my accounts after making a halfhearted attempt to contact me to verify my personal information. They sent one email which was lost in the shuffle of a very busy inbox. No attempt to call me was made and no paper mail was sent to me. Because of this both of my accounts, which had a XXXX balance, were closed by the creditor, causing a cascade of credit issues, dropping my available balances and crashing my credit score. I feel that this action was done deceitfully and maliciously. The creditor provided no relief except to apply for a new line, only to be declined for having open accounts, the same accounts that they closed! Discover, a creditor which prides itself on its customer service record, has absolutely ruined my credit which will take years to recover from.
Consumer complaint received 2023-10-18
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. (SC)

In accordance to the Fair Credit Reporting act XX/XX/XXXX account XXXX XXXX XXXX, account number XXXX, has violated my right. 

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

15 U.S.C Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-10-18
Product: Credit card — Store credit card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (OH)

Hello, I have applied for Citi XXXX XXXX XXXX Mastercard on XX/XX/2023 and I was given a reference number and contact number XXXX as they need some additional information to give me a decision. I called them on the same day and the rep asked few identity questions ( Name, Dob, SSN ) and then stated that he would be sending a code to my mobile number ; that I had to read back. I have received the code and read it back to him. After that he mentioned that application was denied and stated that I would get letter with explanation ( he couldn't provide reason in the call ) and I could call back for re-consideration once I get the letter. Today ( XX/XX/2023 ) I have received letter and it states the reason for denial is " Unable to verify my identity information ''. I was surprised with this and reached customer service today on XXXX. Rep stated that they have to verify using my mobile number by sending a text, I received the text while I was reading the code back ; she stated that the mobile number is being shown as error on their side and they couldn't verify me using my mobile number. I have been using this mobile number from 10 years, and they state that I can't use it and this is the only number I have. I have asked if they can verify me differently and they have stated there is no other option. I offered them to mail or fax any documents they need, but they didn't seem to accept it. I am not sure why they can't use my number that I have been using since 10 years and this number is being used with other financial institutions. There should be an alternative way to verify identity if they can't use the mobile number with their system limitations or issues .I humbly request Citi to resolve their system issue or provide an alternative way for customer to verify the identity. 
I have requested rep to raise complaint for these issues and she gave me this complaint # XXXX for reference.
Consumer complaint received 2022-11-25
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. (CA)

I sent a letter on XX/XX/XXXX, to remove that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXX XXXX .... Balance : - ; XXXX XXXX XXXX XXXX .... Balance : - ; XXXX XXXX XXXX.. Balance : - ; XXXX XXXX XXXX  .... Balance : {$9000.00} ; XXXX  XXXX .... Balance : - XXXX XXXX XXXX XXXX XXXX .... Balance : {$520.00} ; XXXX XXXX XXXX .... Balance : {$0.00} ; XXXX XXXX .... 
Balance : {$0.00} XXXX XXXX XXXX XXXX. Balance : {$0.00} ; XXXX XXXX XXXX .... Balance : {$2200.00} ; XXXX XXXX XXXX XXXX XXXX. 
Balance : {$980.00} ; XXXX XXXX XXXX XXXX .... Balance : {$530.00} ; XXXX XXXX XXXX XXXX .... Balance : {$180.00} ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX  XXXX MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA 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 Date of request XX/XX/XXXX ; XXXX Date of request XX/XX/XXXX ; XXXX XXXX  XXXX XXXX XXXX request XX/XX/XXXX ; XXXX  Date of request XX/XX/XXXX ; XXXX XXXX  Date of request XX/XX/XXXX XXXX
Consumer complaint received 2023-10-19
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 respectfully ask that you give priority to this matter, conduct a thorough investigation into the situation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention and resolution of this matter are highly valued and appreciated.
Consumer complaint received 2023-10-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

My checking account at Wells Fargo was used to make about {$1600.00} in fraudulent purchases. I submitted a claim to be reimbursed for these purchases and it was denied. I was never notified of this and I only found out by contacting them almost two weeks after the initial claim was filed. No reason was given for their decision and according to the rep I spoke to I have no other recourse at this point.
Consumer complaint received 2024-04-08
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: EQUIFAX, INC. (FL)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following items which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NJ)

I have a account on my credit report of Equifax that has been sold to another company and the original company is reporting erroneous and false information on my report with balance and acting like the still are the owner if this account... ( see Attachment ) Due the fact this account has been sold to another company together with all of my private personal and federal information the first or original company can not report this account anymore on my credit report and can't have any sum of balance showing over there due the fact the second company that this account has been sold already paid for this balance .... 

I'm talking about XXXX XXXX
Consumer complaint received 2023-10-18
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: TRANSWORLD SYSTEMS INC (FL)

Transworld Services Inc : I am writing to request that you cease all telephone communication with me.Thet phone calls from your company need to stop. 

According to the Fair Debt Collection Practices Act, if I request in writing that you stop calling me, you are legally obligated to comply. Any further calls could make your company liable for statutory damages. 

I am requesting that any communication your company or your client needs to make with me be done exclusively through mail sent to the address listed. Please do not contact me by phone.
Consumer complaint received 2020-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have been a victim of identity theft. Somebody has been using my personal information to apply for credit and using it without my knowledge. This has taken a huge toll on my personal finances because now my credit is shot due to this. It is very frustrating as I can not get approved for anything due to this theft. PLEASE HELP!
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-16
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: EQUIFAX, INC. (TX)

I recently checked my credit and saw that theres still a collection that i disputed a few moths ago that is violating some FCRA laws and should not be reporting in my credit. I'm now in search for a house and this collection is keeping me from getting better rates its affecting my credit please help me DELETE this negative remark. The collection that needs to be REMOVE will be listed below. 

XXXX, XXXX XXXX XXXX acct # : XXXX Amount : {$2000.00}. 


This account is in violation of 15 U.S. Code 1681e - Compliance procedures. 

PLEASE DELETE.
Consumer complaint received 2023-10-18
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. (CA)

15 usc 1681 ( b ) ( 2 ) Permissible purpose of a consumer report- In accordance with written instructions of consumer ( Me ) to whom it relates. I did not give written instructions. To any bureau to pull my report and therefore all hard inquires must be removed immediately. 

XXXX XXXX ( bank ) XX/XX/2023. 
XXXX XXXXXXXX ( bank ) XXXX.
Consumer complaint received 2023-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Resurgent Capital Services L.P. (AL)

XXXX XXXX XXXX XXXX XXXX  - {$0.00} XXXX XXXX XXXX XXXX XXXX - {$0.00} XXXX XXXX XXXX  - {$670.00} LVNV FUNDING LLC XXXX XXXX XXXX {$450.00} XXXX XXXX XXXXXXXX - {$150.00} XXXX XXXX XXXXXXXX - {$150.00} On XX/XX/ I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response, yet I feel like XXXX being take advantage of and ignoredonmydisputes.