davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-22
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: CNG HOLDINGS INC (DE)

On XXXX/XXXX/XXXX I visited XXXX XXXX XXXX  located at XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, Delaware XXXX the purpose for visit was to purchase a lawn tractor. I became interested in a XXXX XXXX ' riding lawnmower, retail price for the lawnmower {XXXX} dollars. 
XXXX offered XXXX no credit check XXXX line of credit, information provided by sales associate. Whom explained the program allowed to make minium payments, with initial payment in store following a payment plan to which I would own. 
XXXX XXXX XXXX, explained the terms of this line of credit through a third party lender. 
XXXX XXXX XXXX XXXX XXXX, located at XXXX XXXX XXXX, XXXX, NH XXXX company is also known as XXXX. XXXX XXXX XXXX, obtained my personal information in order to initiate the line of credit with XXXX XXXX XXXX XXXX XXXX. A credit line was approved, it was explained that I would make payments in the amount XXXX after the minimum payment frequency the line of credit would be satisfied and I would own. 

On XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, Notified me claiming my minimum rent payment was satisfied and I am presented with XXXX options to purchase in amount XXXX or return the item or continue leasing the item. After informing the company I was never aware that this credit line did n't permit owning after minium payments were satisfied XXXX XXXX  XXXX XXXX XXXX, attempted to offer a reduction of the buy out to XXXX} or a recovery team would be in contact with me to collect the lawnmower from ownership. 

I paid XXXX frequency payments for the retail price of the lawnmower purchased, through XXXX XXXX XXXX XXXX XXXX terms and misrepresentations to no fees in credit line but more so unlnownly buy out I would be required to pay XXXX over retail price for the item.
Consumer complaint received 2017-10-22
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. (MS)

I have recently obtained a copy of my credit file and there are many mistakes in my report : XXXX XXXX XXXX Acct # : XXXX : I have never paid late XXXX XXXX Acct # : XXXX : I have never paid late XXXX XXXX XXXX Acct # : XXXX : Inaccuracy payment information
Consumer complaint received 2024-04-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: DIGITAL FEDERAL CREDIT UNION (CA)

I made a transaction to my husband using pay to person option through my XXXX account, my husband did not receive it, when we filed a service request with XXXX, they said money was received by some XXXX  account, they gave last XXXX digits of receiver 's account number, it is an unknown account doesn't belong to my husband, XXXX is not helping much to investigate who claimed the funds, whose bank account it is or recall my transaction. They are asking me to work with XXXX XXXX said they can not help on this as the trace number they provided is not targeted to my husband 's account, i called multiple times to both XXXX and XXXX not getting any help, i feel it is XXXX 's responsibility to investigate it further they are not taking any responsibility
Consumer complaint received 2023-11-02
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)

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-07-10
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: EQUIFAX, INC. (PA)

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.
Consumer complaint received 2023-07-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I filed a dispute for incorrect information on my credit report.I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd paty.They in fact did not come from a 3rd party.l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out.I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-04-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I had reached XXXX XXXX, XXXX  and I submit a claim here before but I haven't received any answer I have a negative file on my credit report and they are affecting me I have sent all the valid documentation, letters, and FTC and nothing has been resolved
Consumer complaint received 2017-03-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

original case # XXXX was resolved except for the credit reporting. because I was considered for the trial payment plan, bofa considered this to be a credit problem and entered a seriously delinquent report to the bureaus. I have never been late and always paid on time I need this rectified. it is damaging my ability to borrow money or get a loan. thank you PS thank you for assisting me in getting the modification approved through Bank of America. That was n't going to happen either without your help.
Consumer complaint received 2024-04-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (NY)

LVNV FUNDING/ RESURGENT CAPITAL SERVICES is a debt collector and Congress has made it known in the Fair Debt Collection Practices Act ( 15 USC 1692 ) that there is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors including the LVNV FUNDING/ RESURGENT CAPITAL SERVICES. Since LVNV FUNDING/ RESURGENT CAPITAL SERVICES oppressive actions deciding to infringe on my personal privacy, this has harmed my general reputation of credit worthiness by furnishing such alleged debt to the consumer reporting agencies.
Consumer complaint received 2021-11-10
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Capstone Credit & Collection, LLC. (FL)

First week of XX/XX/2021, after reviewing my credit reports & noticed a collection item that I do not fully recall. The alleged debt is being reported by Capstone Credit Services, for XXXX XXXX XXXX XXXX in the amount of {$3600.00}. As I understand, I have the right to validate the debt with the collection company. It has been over a month & I have yet to receive and validation from Capstone Credit Services. I specifically asked to cease any and all collection activity until this debt is validated. About a week after sending out the letter to Capstone Credit Services, a representative called me & she was very rude as well as unprofessional. Yelling at me that this debt is mine, and I better take care of it. I do not appreciate being treated this way.
Consumer complaint received 2023-07-10
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: EQUIFAX, INC. (NC)

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 2023-03-04
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: MARINER FINANCE, LLC (IL)

Since XX/XX/2021 I have been trying to get the title of my vehicle corrected. It was updated to a Not Actual Mileage/NAM which is branded title which lowers the value of the vehicle by 50 % -70 %. 

Every time I go to the dealership to trade in or sell out to improve my financial situation the branded title prevents me from moving forward. 

Over the almost 2 years there was communication about the situation with the financier, they would send the same paper work. I would fill it out and send it back to them. They would assure me they would submit the paperwork this time it should work. I just say I sure hope so! 

Well all this communication about this situation and its not resolved. Seems as if the Financing company is holding me hostage and not letting me finance elsewhere or trade in the vehicle. They want the 19+ %.
Consumer complaint received 2024-04-19
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (TX)

About XX/XX/year> I had got charged {$980.00} in interest from my XXXX furniture credit card provided thru synchrony bank. About XX/XX/year> I received a letter from synchrony bank that they were lowering the amount of credit on my credit card. I responded via email that I was displeased with their decision and do not charge me fees for lowering my amount of credit. Then just recently I received a letter from synchrony bank that they were closing my XXXX credit card account. I have never been late or missed a payment on this account, but I noticed that this company has a history of closing consumers accounts that have a history of being in good standing, while not caring at all how it damages their credit report and rating. In addition, since they closed my account I can not even access my account to view my previous statements or pay my bill, which is very shady. They clearly have a track record of doing this to consumers and getting away with it over and over again, while leaving consumers credit even more damaged than it was before.
Consumer complaint received 2023-07-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

There are accounts listed on my consumer report that have originated from identity theft. I did not provide written authorization, including a wet signature, for these accounts to be included in my consumer report. I have recently communicated with your organization regarding this matter and I am hereby requesting that these accounts be promptly blocked and removed from my report. The inclusion of these unauthorized items has caused significant emotional and financial distress, as they inaccurately reflect my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action. The presence of these fraudulent items on my credit record has hindered my ability to achieve my financial goals, such as purchasing a home and meeting the needs of my family.
Consumer complaint received 2023-06-22
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: EQUIFAX, INC. (MS)

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. 

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : Account name : XXXX XXXX  Account number : XXXX Account name : XXXXXXXX XXXXXXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX  Account number : XXXX Record type XXXX  XXXX bankruptcy dismissed Date filed XX/XX/XXXX Date resolved XX/XX/XXXX Responsibility Individual Reference number XXXX Record type XXXX XXXX bankruptcy dismissed Date filed XX/XX/XXXX Date resolved XX/XX/XXXX Responsibility Individual Reference number XXXX Reinvestigation information This item remained unchanged from our processing of your dispute in XX/XX/XXXX. 


However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Consumer complaint received 2023-06-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I am writing to file a formal complaint and dispute regarding inaccurate information on my credit report as provided by XXXX. Despite my initial contact with XXXX on XX/XX/XXXX, I have not received a response to date. As per the guidelines outlined by the Fair Credit Reporting Act, I request your assistance in addressing this matter. 
The following discrepancies and required corrections pertain to my credit report : Account Name : XXXX XXXX Date Opened : XXXX XXXX, XXXX Balance : {$3600.00} I dispute the accuracy of the information provided for the aforementioned account. The reported balance of {$3600.00} does not match my recollection. Additionally, I would like to highlight that this account has a closed and charged-off status. I am planning to engage in a conversation with the creditor to clarify the reported data. In the meantime, I kindly request that you mark this account as disputed and remove the amount indicated in the " Past Due '' section. 
Account Name : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$450.00} Your agency has reported inaccurate information regarding the account mentioned above. I have no recollection of ever entering into a contract with XXXX XXXX XXXX XXXX XXXX, nor have I ever been contacted by them. Moreover, the reported balance of {$450.00} is higher than what I believe it to be. As a result, I am disputing this entire account and requesting verification of the " Date Opened '' and " Date of First Delinquency. '' Account Name : XXXX XXXX Date Opened : XXXX XXXX, XXXX Balance : {$780.00} I confirm that the aforementioned account was never late. The reported information is inaccurate, and I request that you correct/update this on my credit report accordingly. 
Account Name : XXXX XXXX XXXX Date Opened : XXXX. XXXX, XXXX Highest Balance : {$22000.00} I assert that the account specified above was never late. The reported information is inaccurate, and I request that you correct/update this on my credit report accordingly. 
Account Name : XXXX XXXX XXXX Date Opened : XXXX. XXXX, XXXX Highest Balance : {$12000.00} I confirm that the account mentioned above was never late. The reported information is incorrect, and I request that you correct/update this on my credit report accordingly. 
Account Name : XXXX XXXX Date Opened : XXXX. XXXX, XXXX Balance : {$310.00} I confirm that the account specified above was never late. The reported information is incorrect, and I request that you correct/update this on my credit report accordingly. 
Account Name : XXXX XXXX XXXX Date Opened : XXXX XXXX, XXXX Balance : {$4700.00} I confirm that the account indicated above was never late. The reported information is incorrect, and I request that you correct/update this on my credit report accordingly.
Consumer complaint received 2023-06-22
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I submitted a credit repair request to a company, but they failed to respond within the XXXXday timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2024-04-19
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — Paying off the loan
Company: CARRINGTON MORTGAGE SERVICES, LLC (VA)

We requested loan payoff amount from Carrington Mortgage Service, as the house is being sold. We were told that we could only request the amount via email, which we did. They took 10 days to respond with the payoff amount and instructions. Carrington Mortgage also told XXXX XXXX XXXX on XXXX XXXX that they could not provide a payoff amount to them as they were preparing to closing papers, because the house was in " pre-forclosure, '' although Carrington had told the customer that we had until XXXX XXXX to update them on the situation. This is one of several examples of Carrington not being transparent and trying to confuse both the customer and the title company in order to delay the payoff and continue to gain more interest and fees. 

Once the customer we received the amount and instructions on XXXX XX/XX/XXXX ( after waiting 10 days ), the title company verified the payoff amount and instructions with Carrington Mortgage, and scheduled the closing date to comply with the seven day window that the Carrington instructions indicated. However, once the payout funds were sent and receipt verified, and the closing was complete, Carrington Mortgage sent an email to us ( customer ) saying that the payoff amount was no longer valid.

Carrington used misinformation, confusion, pressure and shared different information with the title company and the customers in order to try to get {$3000.00} more than the official payoff amount within 14 hours of the payoff amount being sent and received. Carraington Mortgage also wasn't willing to break down the additional fees when XXXX XXXX XXXX called them on XXXX XXXX to inquire about the claims for additonal funds. 

At no time during communication with Carrington Mortgage over XXXX and a half months of communicating with them did I, as the consumer, feel safe or that I could rely on the information they gave me. Communication was either very slow, incomplete, confusing or meant to scare the consumer and the title company. It felt like a predatory situation and in fact was. They also used tactics of divide and conquer between the consumer and the title company.
Consumer complaint received 2023-03-01
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. (TX)

Dear Consumer Financial Protection Bureau, I am writing to bring to your attention a serious issue I have encountered with a collection agency XXXX XXXX Despite sending them a debt validation letter requesting proof of the debt on XX/XX/2023 they are attempting to collect from me, I have not received any response from them even though it has been more than 30 days since I sent the letter. I believe this behavior is in violation of the Fair Debt Collection Practices Act ( FDCPA ), which requires collection agencies to respond to debt validation requests within 30 days of receiving them. I am concerned that this collection agency is attempting to collect a debt from me without providing me with the proper documentation to prove that the debt is legitimate. Furthermore, I am requesting that the collection agency delete this debt from their records as they have failed to comply with the FDCPA. I believe that this is a fair request given the circumstances, and I ask that you investigate this matter and ensure that the collection agency in question is held accountable for their failure to comply with the law.
Consumer complaint received 2022-10-27
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: EQUIFAX, INC. (NY)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. 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.