davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-22
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. (MD)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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  15 U.S. Code 1681s2 ( A ) ( XXXX XXXX A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section XXXX of this title and to limit the furnishing of consumer reports to the purposes listed under section XXXX of this title are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services. In addition, these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Accounts are reported as an open account status but state that are charged off as bad debt remarks on XXXX comments section. XXXX is a clear evident disregard for the completion of accurate reporting which provides me as a consumer to file an arbitration with the XXXX administration with this evidence of inccacurate invalid and requesting results of imvestigation that have not been provided. XXXX reporting unverfied charged off accounts that are shown as open has an impact to my XXXX and my overall credit rating to my consumer report as a CLOSED ACCOUNT WITH INACCURATE BALANCE, INACCURATE AMOUNT PAST DUE AND MINIMUM MONTHLY PAYMENT. XXXX REOPRTED ACCOUNTS OPEN WITH BALANCE AFTER MY FIRST & SECOND DISPUTES ABOUT THE ACCOUNTS THAT WERE CLOSED AND CHARGED OFF XXXX UPDATED ACCOUNTS TO OPEN BUT STILL REPORT CHARGED OFF. XXXX DID NOT PROVIED ME DETAILED RESUTLTS.
Consumer complaint received 2024-01-05
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION (KY)

I went to a dealership in XXXX, it was XXXX XXXX  XXXX dealership. I was approved by Credit Acceptance Corp. For a {$13000.00} loan for a XXXX XXXX XXXX . When they approved me I was living in a XXXX XXXX  house and I had just gotten a job at XXXX XXXX in XXXX Indiana. I had only been working there for 2 weeks. They asked me for direct deposit records and bank statements. I told them I did not have a bank account but I had a XXXX account. So I gave them my XXXX statements for the previous month and showed them I had only been working for 2 weeks. They approved me for {$13000.00} and some change for a used car. When I got the car within the first week all of the motor mounts broke and the rotors went bad. I took the car back to the dealership because it was under warranty. I called the warranty company and they said that all of the things broken were covered under warranty. The dealership said that these things were not covered so I ended up paying {$700.00} and some change for them to fix everything. I got the car back and it broke down 3 or 4 more times soon after and I ended up just leaving the car in a parking lot and I don't know what ever happened to the car. I just left it there and never looked back. I was over the thing breaking down all the time. Within a month I lost my job and ended up getting a court case against me for the remaining balance of {$12000.00} and some change. I was trying to see what I could do to dispute the case because I was never able to afford it in the first place and I feel they took advantage of me. I was an XXXX  in XXXX  and had only been working long enough to get one check and they knew all of this. I told the creditor that I was an XXXX XXXX XXXX XXXX XXXX  house and was trying to turn my life around and that my work history was terrible filled with gaps in employment. I feel that I was taken advantage of and now I am trying to fix my credit score and the company took me to court and the judge filed in favor of Credit Acceptance Corp. So now I owe them almost {$13000.00} I need help dealing with this please. I am really struggling with all of this and I don't know what to do. I would appreciate any help you can provide.
Consumer complaint received 2024-01-04
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)

Identity information was sold and bought illegally because I was a victim of the Equifax data breach I want these items removed off my credit report immediately I am attaching proof that Equifax admits that I was in fact a victim of this data breach and Equifax has done nothing please help me delete these negative items off my credit report thank you
Consumer complaint received 2024-04-22
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)

I reviewed my consumer reports and noticed that i had late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of : 2024 Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. I dont believe I was 30 days late from the due date, please investigate and provide me proof for that too.Thanks! Please see screenshots attached :
Consumer complaint received 2023-09-25
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: DISCOVER BANK (FL)

Hello Discover, I have filed a complaint with the CFPB regarding the account Discover ( XXXX ). Discover is reporting derogatory information regarding a credit card account to ALL 3 of my credit bureaus. I mailed Discover certified letters requesting a signed contract for this account. When I did not receive a response I followed up and called Discover. Discover claims they never received my request even though the tracking number for each certified letter indicates both certified letters have been received. I have made both written & verbal request for a SIGNED CONTRACT for the credit card account. Discover refuses to send me this requested document. The only thing Discover has provided to me were outstanding monthly bills & a general Customer Agreement not specific to the credit card account they are reporting to my credit file. In fact it is the same general Customer service agreement they have listed on Discover 's website, the website also makes reference to there being a Credit Card agreement for " your accounts '', which I am assuming that there should be specific terms agreed upon for each account specifically. I spoke with a customer service agent & she stated not all accounts have signed contracts & she could not provide me with one for the reported credit card account. I asked " if there is no signed contract outlining the specific terms to either account how did a agree to something blindly? '' Of course she had no response other than there is no signed contract/ agreement documentation showing I agreed to either credit card account. I work in privacy & compliance and know the implications a company can incur for failure to adhere to privacy laws. With the rise in data breaches and identity theft providing me with billing statements & a general customer agreement are not acceptable. I demand immediate removal of this account from all 3 of my credit bureaus. I will continue to document my efforts, update the CFPB on the status of my complaint & utilize any legal rights I have. Prolonging this is only showing Discover is refusing and willfully not complying with the privacy laws.
Consumer complaint received 2024-01-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

I recently viewed my credit report and noticed that there are late payments from XXXX XXXX and XXXX XXXX reporting that were covered during the CARES act and pandemic. I called each creditor and made accommodations to ensure my credit would not be impacted from my hardship of being laid off. I've also requested verification from the CRAs ( XXXX, XXXX, and Equifax ) XX/XX/2023 and XX/XX/2023 and have not received an update as to why my accounts are showing any late payments. Furnishing this information to my profile is in violation of 15 USC 1681 s-2 ( F ). The late should not be reporting. As agreed, the accounts have been paid, reporting any billing errors is now in violation of 15 USC 1666B. I was assured that my accounts would remain in current status due to the accommodation.
Consumer complaint received 2024-04-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to address a matter of non-compliance with the Fair Credit Reporting Act ( FCRA ) Section XXXX. I submitted a complaint to regarding inaccuracies in my credit report, as per FCRA guidelines. According to the FCRA, you are obligated to respond within 30 days of submission. However, it has now been more than 30 days since my complaint was filed, and I have not received any response from your company. As per FCRA rules, this failure to respond within the stipulated timeframe warrants the removal of the disputed negative items from my credit report. I kindly request that you address this issue promptly and take the necessary steps to rectify my credit report in accordance with FCRAregulations. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Consumer complaint received 2023-11-01
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)

XXXX and Equifax have been contacted a few times mainly by email and phone in requesting a dispute ; in regards to removing a bankruptcy from my report. The other two bureaus removed this file ; in which, it was placed without my consent. Verification was provided to both XXXX and Equifax to inform them I am who I said I am. However, the file still remains on my report. The court system has stated they do not report to credit reporting agencies with this type of information. This is labeling me as a high risk, higher interest rates, additional deposits, and more. XXXX buy this type of information from databases, and place them on reports without the individual 's consent. This becomes a breach of the privacy of others. I will be in the process of obtaining funding and purchasing a property, and I will not for this to be a blockage.
Consumer complaint received 2023-09-01
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: EQUIFAX, INC. (FL)

I noticed that an inquiry with XXXX XXXX XXXX XXXX with the date of XX/XX/XXXX is scheduled to be removed on XX/XX/XXXX. I am inquiring as to if you would be willing to process this as an Early Exclusion and remove this from my credit report.
Consumer complaint received 2024-01-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.
Consumer complaint received 2024-04-22
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. (FL)

I reviewed my consumer reports and noticed that i had late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of : 2024 Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. I dont believe I was 30 days late from the due date, please investigate and provide me proof for that too.Thanks! Please see screenshots attached :
Consumer complaint received 2023-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (WI)

I checked my credit report and to my surprise all three credit bureau ( XXXX, XXXX XXXX, equifax are reporting inaccurate information about a bankruptcy. Bankruptcy court stated they do not report to the credit bureau attached letter
Consumer complaint received 2024-05-01
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: SYNCHRONY FINANCIAL (OH)

Synchrony Bank sued me for an alleged debt on XX/XX/year>. ( Case Number : XXXX ) However I disputed the debt with Synchrony Bank and they honored my claim by shutting down the account, cleared my responsibility and notify the credit agencies. Unfortunately I experienced pain and suffering from their false claim. I've had difficulty receiving credit, renting a house and purchasing a vehicle due to their mistake. This has negatively affected my life. I'm seeking {$10000.00} dollars for their wrong doing. Im willing to avoid seeking further litigation if my request is granted in the next 10 business days.
Consumer complaint received 2023-11-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (IA)

The company keeps rejecting my correctly submitted payments. I tried every week since XX/XX/23. I keep getting a notice stating it was rejected. I have stayed on hold in attempts to call them for hours at a time. 

Not sure but this seems to be by design and Im fed up!
Consumer complaint received 2023-10-31
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (MO)

Had a credit account with Wells Fargo. We missed a payment in XX/XX/2020 during COVID-19 due to an oversight. Partner contacted Wells Fargo to explain and to see if there was anything that could be done. Rep said they could remove late payment since this was the first time it had happened on the account, and they were being flexible due to the pandemic. Partner made payment according to the agreement, but late payment still appears on the credit report. I have contacted Wells several times but keep getting the run-around. Filed dispute with credit reporting agency, but keep getting investigated dispute and customer disagrees without any actual resolution.
Consumer complaint received 2024-01-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX has violated my rights. Or a 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 2024-01-05
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

LATE PAYMENTS BEING REPORTED DUE TO FRAUDLENT ACTIVITY not done by me. I had two credit cards with Capital One, during my military XXXX these cards were closed due to " fraudlent activity '' I was only notified of this after applying for a home loan, I called capital one numerous times since I became aware of the situation to try to rectify the situation over a period of months, every time I call the customer service line I get a different story. I was told my account was not closed to fraud but due to returned payments to which I never received any notices of any account closures or returned payments. I am IN THE MILITARY XXXX FIGHTING FOR THE COUNTRY and no help has been extended to me to fix the situation then I was told an investigation was done an there was nothing I can do and their decision is final. One representative told me that if I pay the accounts off in full the derogatory information ( late payments ) would be removed and the account would remained continue to be closed, this was not the case and was a complete lie after I paid in full. My credit report still shows XXXX 30 day late payments and XXXX 60 day late payments. I called them to do as they promised, I was told that the only way payments in full would be requested if I wanted to reopen credit cards and that information that the representative shared with me was wrong and I can file a complaint internally but the late payments would remain. my question is how can I be responsible for charges and late fees that was considered fraud but then they say my account status changed and my account was shut down due to returned payments, to which I wasn't notified of this either. This is destroying my credit. I have paid the closed balances off in full and they are insistent on reporting fraudlent late payments, it is not my fault that their customer service representative was not properly trained and gave out improper information. I am requesting that Capital One remove any accounts from my credit report, completely or remove the fraudulent late payments. It provides them no benefit to report this since I caused them no loss and paid the accounts in full.
Consumer complaint received 2024-01-05
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: ALLY FINANCIAL INC. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ally Financial 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 Someone ran a credit report without my knowledge or my authorization.
Consumer complaint received 2024-04-22
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. (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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-09-25
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. (MA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2023-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

The issue is a {$15.00} charge-off I was not notified about from this credit union, and when I was sent a letter it was about my credit card payment. 

XXXX XXXX sent email saying contact her XXXX XXXX XXXX XXXX sent email about my 30 days late credit card XXXX XXXX -I made the payment immediately XX/XX/2023 of XXXX ( Have proof of payment amount sent ) -Letter of delayed payment sent to XXXX XXXX XXXX XXXX, XXXX XXXX XXXX that was a mistake in payment XXXX XXXX ( collections manager ) removed the payment -XXXX  XXXX Unexpected Charge-off on credit report, Never notified of this from the credit union, If I was notified, I would have been made payment because I am running a business and need the funding for my business to continue operating.