davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-20
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HUNTINGTON NATIONAL BANK, THE (NE)

Acquired a boat loan with Huntington Bank XXXX XXXX. Loan was paid in full and closed on XX/XX/XXXX. Reached out to the bank multiple times in XXXX to get the lien releases for the boat. After multiple attempts was told that the issue was closed and all information was sent to the XXXX oXXXX XXXX  XXXX. XX/XX/XXXX the XXXX XXXX alerted me to the fact the electronic liens where still on parts of the boat specifically the trailer. Opened new cases with Huntington Bank XXXX XXXX and asked this get corrected. Literally showed the customer service members how to obtain the " XXXX  Electronic Lien and Title Non-participating Lender Lien Release '' form including the fax number to where they needed to be sent per the DMVs guidance. They proceeded to mail them to me, also duplicates and incorrect/ not needed information, bot lien release not present. Tried to contact the person responsible for completing the form 5 times ( left voicemails ). Reached out to the bank on XX/XX/XXXX was notified they would put in another request for the lien release and I could expect to see it in 18 days due to the volume of requests. Escalated to a XXXX whom stated we sent them, it's neither here nor there if duplicates where sent. I mentioned XXXX  XXXX XXXX that states the lien release is required by state law within 30 days of the close of the loan. Gentleman stated he would escalate, but doubtful this will get resolved since the bank seems incompetent of following the easiest business practices such as this.
Consumer complaint received 2023-05-20
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: U.S. BANCORP (TX)

In accordance with the Fair Credit Reporting Act this creditor has violated my Rights! Under Act 15 U.S.C. 1681 section 602 says " I have the right to Privacy ''. 15 U.S.C 1681 section 604 A section 2 " lt also states a consumer reporting agency can not refurnish an account without my written instructions ''. Under 15 U.S.C 1666B " A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose ''.
Consumer complaint received 2022-11-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION (MD)

back in XXXX someone made a fraudulent purchase on my debit card for XXXX for company called my XXXX i reported it to navy federal imedieately i turned in supporting document i contact the company as well which they confirmed the transaction was fraud because i sent in my card information proving it wasnt me they then told me tell my back request the funds they will approve my bank canceled my card till XXXX i never received my mony and i have no card privleges
Consumer complaint received 2022-12-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (MI)

I recently had my loan sold to Select Portfolio Servicing. I have made 3 monthly payments to them toward my mortgage. They are charging every mortgager a {$17.00} fee every time we make a payment on our loan. It is not a late fee they call it a processing fee. The only way to avoid this fee is to do auto draft payments. I have had a bad experience with companies taking money out of my account so I don't want to do auto drafts. I don't feel if you are paying your mortgage on time every month how can they charge me to make my payment. I feel they are stealing from customers.
Consumer complaint received 2023-05-26
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: ALLY FINANCIAL INC. (NC)

During XXXX after my military service I was trying to adjust and requested lower payments or forfeit the loan or sale and was denied any accommodations. They NEVER picked up the car and kept charging interest and other charges after I moved and left the state and they failed to communicate and assist with a resolution as I was in a financial strain it seemed easier for them to keep charging me and now they have sold the debt and not taking accountability as I worked hard to work the situation out even from another state for almost 1 year. This company isn't operating ethically this game almost seemed deliberate.
Consumer complaint received 2022-12-20
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. (GA)

My name is XXXX XXXX and I am submitting this complaint on behalf of myself. I constantly check my credit report and noticed that the errors and false and misleading information for individual accounts didnt quite meet the credit reporting standards of being 100 % correct. This has damaged me tremendously and held me back for quite some time now. I am demanding the CFPB to enforce the correction and/or deletion of these items.
Consumer complaint received 2023-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (MO)

XXXX and Experian are hereby referred to as The Companies. XXXX XXXX is hereby referred to as The Consumer. 

The Consumer has tried unsuccessfully on numerous occasions to retrieve his annual consumer reports due to an error when connecting to The Companies systems via www.annualcreditreport.com
Consumer complaint received 2022-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (GA)

Spoke to representative again at Equifax on XX/XX/2022 XXXX XXXX  Who confirmed again that they have the requested police report and Ftc report information on file to have the inquiries deleted that were not authorized, i did not request these inquires, and there need to be removed from my credit report. Escalated to speak XXXX XXXX See inquries below XX/XX/ 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 XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-20
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. (IL)

I sent these credit agencies a certified letter about the inaccuracies on my credit report and XXXX, XXXX and Transunion Stated that they have verified these accounts as of XX/XX/2022 XXXX XXXX XXXX XXXX XXXX However I still found that the same inaccuracies on my report
Consumer complaint received 2023-06-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I AM A VICTIM OF IDENTITY THEFT. I HAD NO KNOWLEDGE OF THESE ACCOUNTS. THESE ACCOUNTS LISTED BELOW WERE OPENED FRAUDELENTLY. 

XXXX XXXX XXXX # XXXX Balance {$500.00}. 
XXXX XXXX XXXX XXXX # XXXX. 
XXXX XXXX # XXXX Balance {$2100.00}. 
XXXX XXXX # XXXX Balance {$24000.00}. 
XXXX XXXX # XXXX Balance {$84.00}. 
XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX. {$2500.00}. 
XXXX XXXX XXXX. Balance {$3300.00}. 

ATTACHED TO THE COMPLAINT IS MY IDENTITY THEFT REPORT.
Consumer complaint received 2017-04-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Senex Services Corp. (KY)

SENEX COLLECTION REPORTING ON XXXX CREDIT REPORT A COLLECTION WITH XXXX HOSPITAL WHICH IS NOT MINE..ONLY DEAL WITH XXXX IN THE PAST XXXX..ON XXXX ....
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: EQUIFAX, INC. (NJ)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE)

Well on credit karma on my Transunion it shows I have XXXX hard inquiries starting from, XX/XX/XXXX to XX/XX/XXXX. These hard inquiries are really holding my XXXX XXXX down.
Consumer complaint received 2022-12-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (MI)

I had a mortgage with Wells Fargo Home Mortgage ( XXXX ) since XX/XX/XXXX. Without my knowledge or permission XXXX stopped withdrawing my monthly mortgage payments from the XXXX XXXX XXXX XXXX even though there was money in the account. It then transferred my mortgage to XXXX XXXX XXXX XXXX, which is basically a collection agency. 

XXXX XXXX XXXX XXXX insists it sent notifications to me but I never received anything about this change via the XXXX. I do not have a computer and do not have access to one. My sister found out about the transfer when she called the XXXX XXXX XXXX XXXX in XX/XX/XXXX. By that time, my property was about to be foreclosed. My sister paid the past-due amount of {$3300.00} to stop the process and set up a monthly payment plan to stop the foreclosure.
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: EQUIFAX, INC. (MD)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The ITEMS I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX U S DEPT OF EDXXXX XXXX Balance {$2100.00} XXXX XXXX XXXX Balance {$870.00} DEPT OF ED XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX 'S XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX 'S XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX
Consumer complaint received 2022-12-20
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: EQUIFAX, INC. (GA)

Date : XX/XX/21, XXXX XXXX, I have sent disputes to this company several times, and they are still holding inaccurate information on my reports. 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 1692C Without the prior consent if the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 U.S. Code 1692g ( B ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor. 15 U.S. Code 1692b ( 2 ) not state that such consumer owes any debt. 

Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. You sent me a copy of a bill you had no HIPPA RELEASE ATTACHED! I will use this in court.
Consumer complaint received 2023-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX XX/XX/XXXX unauthorized hard pulls and XXXX XXXXr XX/XX/XXXX same reason. XXXX XXXX XX/XX/XXXX same reason and XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX same reason. XXXX XXXX XX/XX/XXXX same reason. 
XXXX XXXX XX/XX/XXXX same thing. XXXX XXXX XX/XX/XXXX. 
I did not authorize the child support department to put nothing on my personal credit I never gave the my ssn. XXXX XXXX I never authorized them im unaware of this its not me. XXXX XXXX I this is unauthorized I don't know this place
Consumer complaint received 2023-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (DC)

My credit score is XXXX at the other credit bureaus but experian is refusing to acknowledged this and put false scores on my experian report and refused to fix my score and update my score.
Consumer complaint received 2023-06-14
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)

My private information is being shared by Transunion. I never gave them my authorization to be reporting this information. I am alarmed that they are reporting this sensitive information about me to third party entities.
Consumer complaint received 2022-12-20
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. (FL)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT CONVERGENT XXXX XXXX XXXX - ACCT # XXXX, HAS VIOLATED MY RIGHTS. IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXX XXXX XXXXXXXX - ACCT # 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. 
I have no knowledge of these inquires/Collections of my credit report. Please DELETE ASAP!!! 

***HARD INQUIRIES*** 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 {$2600.00} XXXX. XXXX XXXX XXXX {$260.00}
Consumer complaint received 2022-10-21
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. (TX)

I would like to place a formal complaint against TransUnion for violating my FCRA rights and my privacy. They have placed XXXX public records on my consumer report that should not be there : Public Record - XXXX XXXX XXXX XXXX Reference # XXXX Public Record - XXXX XXXX XXXX XXXX - Reference # XXXX I reached out to the courts who verified that they do not report XXXX to the credit bureaus. I have attached the letter that I received from the court. They are in violation of my rights pursuant 15 usc 1681b under permissible purpose. They never validated nor verified anything with anyone at the courts. Transunion is violating multiple laws including : The reporting requirements do not comply with FCRA 611 ( 15 U.S.C 681I ) and the information must be deleted immediately.

The civil liability law which I will sue under is clearly here : 15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
Failure to Comply or delete these items is a clear violation : Public Record - XXXX XXXX XXXX - Reference # XXXX Public Record - XXXX XXXX XXXX XXXX  - Reference # XXXX 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In generalAny person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; 15 U.S. Code 1681o Civil liability for negligent noncompliance- ( a ) In general Any person who is negligent in failing to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure ; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.

Under 15 US Code 1681a ( 4 ) as a consumer I have right to privacy and these inaccurate items must be deleted from my consumer report. Please help me get this violation removed from my TransUnion credit report. It is unverifiable. Please see also the attached dispute which also points out multiple inaccuracies.
Consumer complaint received 2016-11-12
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: NATIONSTAR MORTGAGE LLC (CA)

We took a mortgage from NationStar Mortgage LLC three years ago. We have maintained a perfect record of payments ever since. 
We received a check for {$250.00} last month for " Refund of items overcharged at closing. ". 
How can a mortgage company force us to give them a three year loan without paying any interest?
Consumer complaint received 2022-12-20
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)

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 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 2023-08-30
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: U.S. BANCORP (CA)

Hello USBank, When I applied for the US Bank XXXX card a year ago, the promotional and features as part of the card was to get {$30.00} dollars back when completing 11 months of a merchant entertainment category purchase. I have used XXXX to complete 12 consecutive monthly payments, and when called and asked where the credit is, the supervisor refused to file a claim and told me to wait. 

XXXX XXXX
Consumer complaint received 2022-12-20
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: WELLS FARGO & COMPANY (GA)

My account at wells fargo was closed suddenly after cashing a check. I seen the funds were in the account then it got closed and i couldnt and didnt receive the funds. That messed me up because i had things i needed to pay for and couldnt which ended in a lot of things not getting paid for and me owing on.