davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-19
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (OH)

I HAVE ACCOUNTS REPORITNG ON MY CREDIT REPROTS THAT I DID NOT OWN THEY WERE ADDED DURING A CYBER DATA BREACH I NEED ALL THE ACCOUNTS REMOVED FROM MY CREDIT REPORTS.
Consumer complaint received 2023-04-29
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: Experian Information Solutions Inc. (WI)

Experian is reporting Fraud accounts on my credit report, making it complicated for my future goals of refinancing our home & buying a new car. I previously sent Experian several letters for several months, disputing these fraud accounts below in my consumer file : XXXX XXXX acct # XXXX {$2500.00}. XXXX XXXX acct # XXXX {$2200.00}. 
XXXX XXXX XXXX acct # XXXX {$11000.00}. XXXX XXXX XXXX acct # XXXX {$5400.00} XXXX XXXX acct # XXXX {$1200.00} XXXX XXXX acct # XXXX {$820.00} I was a victim of Identity Theft & I have already uploaded a copy of the FTC on Experian.com. Also, XXXX XXXX XXXX XXXX have corrected these errors & removed all of these fraud accounts & Experian is still reporting Fraud. All 3 bureaus are supposed to be reporting the same accurate info. Experian is violating the FCRA for reporting fraud accounts. Also. Experian is reporting inaccurate names, address, phone numbers & employees. Thank You.
Consumer complaint received 2023-07-22
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. (NY)

There is a XXXX XXXX XXXXXXXX collection on my credit that I never had and a XXXX inquiries on my credit and I never applied for a car both are keeping me from getting a job
Consumer complaint received 2023-07-08
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP (OH)

I closed a savings account at US BANK on XXXX. The balance of {$41.00} was returned in a check. I was also having auto-withdrawal from my primary checking account from my local bank deposited into this savings account, I signed paperwork on XXXX, a Thursday, to stop payment on those {$15.00} deposits into my US BANK account. The deposit went through on the following Monday, XXXX to the closed US BANK savings account. I waited for the return of the {$15.00} until I called US BANK and was told it was " bounced back '' to my original home bank. They never received it & suggested asking the US BANK for a tracing number, which I was given. My home bank investigated the tracing number and found it was returned to them without a name or account number so it was returned back to US BANK.An investigation was started by US BANK over the {$15.00} dollars. I made three separate phone calls on XXXX requesting instructions on how to fill out the claim form. I faxed the form they sent, the form I signed at my home bank and a sign statement from my home bank explaining what happened on my home bank 's end and why my {$15.00} was " bounced back '' again to US BANK. I don't know what else could prove the money never returned back to my account. I received a letter today, XXXX, stating my claim was denied. I have called the US BANK more times than I could remember to document but always got the same answer, the money came back to me when it did not. I don't know what other recourse I have other than reaching out to you for help. Why would I make up something over {$15.00}? I am XXXX & have little access or understanding where/who can help. {$15.00} is a lot for me.
Consumer complaint received 2022-10-19
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: FORD MOTOR CREDIT CO. (MD)

I am being held up on taking a loan out on my property because Ford Motor Credit. I filed for bankruptcy back in XXXX and included the vehicle in this. In XXXX, XXXX renewed a claim against me regarding this vehicle and attached it to my property that i inherited from my mother when she died. 

The attorney handling this says that I am not personally responsible for it since the bankruptcy, yet it still remains attached to my property that i cant take a loan out on because of this. The attorney wont give us a release and he wont give us a payoff either. 

They attached the car to my mothers house back in XXXX it was not my house then. 

Attorney is XXXX XXXX XXXX ex XXXX is who is handling this bankruptcy and wont give me a release.
Consumer complaint received 2019-06-03
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC (FL)

I show three derogatory accounts with the credit bureaus and I'm puzzled as in how this would occur. I have been incarcerated for 10 years, which would be XXXX. It is impossible for me to have done this. This is not at all fair to me and needs to be removed indefinitely
Consumer complaint received 2023-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NJ)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 
According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong.

Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-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. 
This is violation after violation after violation. This is causing me stress because I have no hope with this system
Consumer complaint received 2023-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

The three bureaus are reporting an account that was under litigation and that was 100 % settled and a nonsuit with prejudice was filled with the court. Documents attached, still the credit bureaus are reporting as charge off with a balance of {$850.00}. We have contacted XXXX  and they requested me to complaint and dispute the accounts with the bureaus which we did but this did not work and I see the account reported. This is illegal and in case they don't take action and remove the account I will have to sue the three buraus. This is not Right!. 
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate 15 U.S.C, 1681section 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-09-15
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I was contacted at work by someone at XXXX XXXX XXXX about a credit card debt XX/XX/. They also did not send a letter of verification to verify the debt before filing a lawsuit when I asked for it. The charges state in the suit that the card was charged off and no debt owed yet they are trying to garnish my wages anyway.
Consumer complaint received 2023-07-07
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: DISCOVER BANK (AZ)

I trust this message finds you well. I am writing to address an issue related to my charged-off Discover credit card account and its erroneous reporting on my credit report. 

This particular account has been formally charged off, but it is consistently being reported as a 'charge-off ' on my credit report every month. Such monthly reporting inaccurately suggests a recurring negative event, which is not the case. 

As per the guidelines under the Fair Credit Reporting Act, a charged-off account should be reported once, not monthly. The constant reporting of the charge-off is adversely affecting my credit score, which is unjustified.

This ongoing misreporting is severely impacting my financial status and prospects for future credit opportunities. I earnestly request your intervention in rectifying this matter to ensure the accuracy of my credit report. 

Thank you for your prompt attention to this crucial issue. 

Best regards, XXXX XXXX
Consumer complaint received 2023-07-22
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: Experian Information Solutions Inc. (CA)

EXPERIAN continues to add a false collection debt to my report. Earlier this year is was from one collection agency ( XXXX XXXX XXXX ), and now the same FALSE debt is showing up again from XXXX XXXX, another collection agency. I have NEVER had any relationship with the company that they say it was originally owed too. The $ XXXX debt was false with the previous collection agency and it continues to be false with this one. I can't be filing complaints for life.
Consumer complaint received 2023-06-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Hello the reason I am writing this letter is because I was impacted by XXXX on XX/XX/2021, to the point where I lost my job and I felt into a financial crisis, I had to put my Mortgage into Forbearance for a full year. Due to this financial crisis after being impacted by XXXX, I called to explain ( Capital one ) that I was impacted financially, and I asked them to help me through this process, but they never offer me any Aid option for financial hardship, they were clear all the time that if I don't make payments on time they were going to report my account late to credit bureau , and that's what they did. I am so disappointed with Capital one policy, if you check my payment history you can see I was always on time since day one with my credit card, til I was impacted by XXXX XX/XX/2021. This account had a balance of {$1500.00}, and with continues late charges it went up to {$2000.00}.
Consumer complaint received 2023-06-08
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: LEXISNEXIS (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.

The letters are stated with items and issues.

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 2022-10-19
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: ALLY FINANCIAL INC. (TX)

My complaint is about Ally 's unwillingness to help their customers when they are having issues making a payment. Let me preface this by stating I have perfect credit, I've always made my payments on time for all my bills. Unfortunately I was laid off my job a few months back and I continued to make my lease payments, I've been paying on this lease for about a year and a XXXX so I'm half way through the lease. I called Ally customer service and asked for an extension which the person I spoke with said they'd grant and everything was good. The following month I get an email stating my account is delinquent, I call and speak with collections who states they have no notes to show I ever called. They said they can offer me a 2 month extension, but the fee was {$800.00} dollars .... {$800.00} is more than a car payment and this is just a fee not even a payment. I don't have the money to make the payment is the issue and the company wants to charge a very excessive fee. Absolutely unfair business practices and predatory lending preying on those that are already struggling asking for assistance. I XXXX XXXX the vehicle, it has less than XXXX miles on it and has equity, but I can't even sale the vehicle because Ally wants to charge MSRP to anyone that is not the owner of the car. I asked about a lease buy out and they said it would be almost $ XXXX dollars, I only owe $ XXXX on the remaining lease payments. I spoke to the executive response unit after making a complaint and they were basically just another collection agent telling me how I agreed to the lease terms and could offer no assistance or empathy. I'd never do business with Ally again and don't suggest you to either.
Consumer complaint received 2023-07-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX XXXX ACCOUNT WAS OPENED BY FRAUD. SOMEONE STOLE MY IDENTITY TO OBTAIN THIS FRAUD CARD AND SHALL BE DELETE FROM MY CREDIT REPORT. SPACE COAST ACCOUNT BALANCE {$7500.00} IS DUE TO FRAUD ACTIVITIES. I REQUEST PROOF OF VALIDATION ABOUT HOW THIS FRAUD ACCOUNT WAS ABLE TO OPEN WITHOUT MY PERMISSIONS OR KNOWLEDGE. DELETE THIS FRAUD ACCOUNT BY LAW.
Consumer complaint received 2023-07-22
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. (LA)

On XX/XX/2022, In accordance with the fair credit reporting act, this creditor XXXX XXXX  has violated my rights. Under 15 U.S. Code 1681 section 602 states, I have a right to privacy. Under 15 U.S. Code 1681 section 604A Section 2, it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S. Code 1666B, A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-09-22
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: NAVY FEDERAL CREDIT UNION (WI)

I got a loan to pay off some debts but when I got the loan. When getting the loan I was not allowed to change the date of the payments. I was told that I could change the payment date after getting the loan but I was then told that I can not change the payment date. Also, they have a section that says I will also be required to pay a late fee because if my payment is not paid by XXXX then there is a XXXX $ later fee. If I can not change the date of my payment then I will be late every month so they are hitting me with that fee each month. The is no option even if i schedule payments ahead of time I still get a late fee. This is an unfair Practice.
Consumer complaint received 2023-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (WA)

XXXX is reporting information on my credit report that is negatively affecting my score. I disputed the authenticity of the collection account CONSUMER ADJUSTMENT in the amount of {$150.00} and it was taken off of my report. However XXXX AND EXPERIAN are still reporting this misinformation causing my credit scores to plummet. I have attached screenshots and photos proving that they are still reporting the account number, and XXXX is not. It is my understanding that all information reported must be ACCURATE across the board. So since this violates the law, I am formally requesting the CFPB enforce that they stop reporting and remove the collection account XXXX At once. Thanks
Consumer complaint received 2023-07-22
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (IN)

I AM A VICTIM OF IDENTITY THEFT. I AM FILING THIS COMPLAINT FOR MYSELF TO REQUEST THAT YOU BLOCK THE FOLLOWING INCORRECT INFORMATION FROM MY CREDIT REPORT. SOMEONE HAS USED MY PERSONAL INFORMATION TO OBTAIN LOANS AND CREDIT CARDS FROM. I HAVE NO IDEA HOW THE THEFT TOOK PLACE. I ALSO HAVE NO KNOWLEDGE OF ANY SUSPECTS. I DID NOT RECEIVE ANY MONEY, GOODS, OR SERVICES AS A RESULT OF IDENTITY THEFT. PLEASE LET ME KNOW IF YOU NEED ANY OTHER INFORMATION FROM ME TO BLOCK THIS INFORMATION FROM MY CREDIT REPORT.
Consumer complaint received 2023-07-22
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: Experian Information Solutions Inc. (CA)

There is an item from XXXX XXXX XXXX that has been appearantly sold to XXXX XXXX XXXX, that does not belong to me. I have reached out several times to ask for validation, but I have never received any type of proper response about the account. I have just did more research on the company and after learning who the creditor is, I realize the account is not mine, beyond a shadow of a doubt, because I have never had this type of credit line issued to me as an individual or an entity which whom I am responsible for in any way shape or form, as I live and breath. 
I do not own any credit line, or credit card issued by the original creditor, nor the collection agency that has purchased the debt owe by the unassociated party who is responsible for the debt, unrelated to me. The original debt has obviously been established by another individual or entity that is identified by a similar descriptive title or name or branding and is not associated or related to me, and is not, in any way shape or form, me.
Consumer complaint received 2023-09-28
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Merchants' Credit Guide Company (IL)

I am writing to demand removal of illegal information on my report. I have not given consent, authorization, written instruction, permissible purpose to report my medical information. This is a violation of myriads of hipaa and privacy laws including but not limited to 42 usc1320d-6. It is a violation to disclose and obtain this information and I will get law enforcement involved removed immediately. I demand removal and rapid rescoring of my report. 

Consumer reporting agencies have a grave responsibility to make sure reporting is accurate and legal. This obligation has not been fulfilled in this matter. This is causing damage to my credit worthiness and is NOT an accurate reflection of me, my credit worthiness or my ability to make payments. This violation of my rights to privacy is very serious and does come with legal implications for ALL parties involved. I am giving in good faith opportunity to cure. I waive all rights to sue if this matter is taken care of within XXXX days. 

Transactions and experiences are to be excluded from the report. I expect compliance with the law. All applicable state and federal laws and regulations should be upheld including but not limited to the FCRA, FDCPA, GLBA, FTCA, HIPAA. This is also a violation of the criminal and tax code. 

These are also Violations of state multitudes of state laws including but not limited to FInancial services consumer privacy Act, Consumer Credit reporting agencies act, Personally identifiable information protection act, Illinois Fair Debt Collection Practices Act and health information privacy act. 

Rather than risk liability for MILLIONS in fines, fees, and penalties and injunction for these violations on the creditor, data furnisher, reporting agencies, debt collector with the FTC, SEC, CFPB, OCR, OCC, AND ATTORNEY GENERAL.. I simply ask that institutions act in accordance and remove this account and late payments. I am counting on compliance and rapid rescore to reflect my credit worthiness. I thank you for your time and attention to this issue. Have a wonderful day.
Consumer complaint received 2023-07-22
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: NAVY FEDERAL CREDIT UNION (NY)

Im dealing with a hardship, I got hit by a car & I am XXXX, I have a XXXX XXXX. Navy Federal Credit Union repossessed my vehicle. I am also registered under uniform commercial code file XXXX XXXX
Consumer complaint received 2023-04-21
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. (NC)

XXXX XXXX in the amount of {$830.00} I have tried to resolve this issue several times with no good results they aren't willing to help do anything this is stopping me from getting a home for my family. which is very important to me and stopping me from getting reliable car. according to 15 U.S.C 1681 there shouldn't be any damages on my report its defamation to my character
Consumer complaint received 2023-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIZENS FINANCIAL GROUP, INC. ()

My family was directly affected by Hurricane Ian & Hurricane Nicole in 2022 as a result a payment is showing 30 days past due on my credit report. 

As it relates to a natural disaster, my mom told me to contact my bank and ask for a good faith removal of the 30 day late as all payments were current prior and after this one. 

I contacted the bank and was told the credit bureau makes that decision which is not true.