davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Atlanticus Services Corporation (IN)

Requested to have the late remarks stricken from my report so I can close on a house, but the lenders are refusing to remove said remarks due to their opinion that the information is accurate so they don't need to remove it. The problem with this is that the payments have been made, the delinquencies have been resolved, and a thorough explanation was given regarding what happened to cause the delinquency to begin with. They didn't care. They seem to think that just because it occurred to begin with, I should suffer from such and that they are under no obligation to help out at all. All communication was done over the phone with the lendersXXXX XXXX XXXX XXXX and XXXX. The lenderS said the information is accurate and to talk to the credit bureaus. Then the credit bureaus tell me that they only report what the lenders tell them and to go back and ask the lenders to remove it. I have been filing disputes and talking to them but they're dragging this out and I only have so much longer before the seller backs out and my loan possibly gets denied due to these late remarks. I don't know what else I can do because they won't work with me and they aren't doing their job of removing these remarks. I am working with XXXX XXXX  to do better and take the necessary steps to have a healthy credit. The date I'm referring to is XX/XX/XXXX  's payment for my {$2300.00} auto loan with XXXX XXXX XXXX XXXX and {$1400.00} loan with Fortiva. Yes I was late, but I've explained that it was due to medical issues with me and my XXXX  being sick and being worried and distracted by this that I ended up being late. I need a home for my family, so I won't let this happen again because I'm trying to do right by my child. I don't know what else I can say or do to get them to do their jobs, please help me.
Consumer complaint received 2022-12-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-05-02
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: Bridgecrest Acceptance Corporation (MA)

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Bridgecrest Company for their violation of consumer laws, specifically outlined in 15 USC 1681b. It has come to my attention that Bridgecrest has included the transactional history between themselves as the creditor and me as the consumer in my consumer report. This inclusion of transactional history directly contradicts the regulations set forth in the aforementioned statute.

According to 15 USC 1681b, a consumer report should not encompass the transactional history between the creditor and the consumer. However, despite this clear legal provision, Bridgecrest has failed to adhere to these guidelines, thereby infringing upon my rights as a consumer. 
The presence of this transactional history in my consumer report has had severe adverse effects on my overall credit standing. It has unfairly skewed my credit profile and misled potential lenders and creditors, impacting my ability to secure favorable financial terms and opportunities.
Consumer complaint received 2023-11-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NH)

Secured Credit Card bank name : XXXX XXXX  XXXX XXXX ORIGINAL STARTING BALANCE ( INCORRECT/NOT POSSIBLE - READ MESSAGE BELOW ) {$22.00} THIS DROPPED MY TRANSUNION CREDIT REPORT BY XXXX XXXX POINTS SECOND BALANCE REPORTED ( INCORRECT/NOT POSSIBLE ) {$170.00} THIS DROPPED MY TRANSUNION CREDIT REPORT AGAIN BY ALMOST XXXX POINTS THESE TWO BALANCES WERE REPORTED TO TRANSUNION BY XXXX XXXX  AND XXXX XXXX XXXX WITHIN LESS THAN 2 WEEKS APART CAUSING SEVERE DAMAGES TO MY CREDIT SCORE NOT ONLY ARE THEY REPORTING THESE FALSE BALANCES TO TRANSUNION, THEY'RE ALSO REPORTING IT TO XXXX AND XXXX HERE IS A MESSAGE I SENT XXXX XXXX  VIA LIVE CHAT : I'm having serious issues with the credit card builder and it's reporting practices to credit bureaus. XXXX  has been making errors in its reports claiming that I have a balance on my account, which is impossible since I have safe credit building on and with that any balance every month is automatically taken out of my XXXX account. This issue has caused my credit score to drop over XXXX points in two weeks. I am very XXXX off, unhappy. This is totally unprofessional and reckless and my credit information is being manipulated and XXXX is making false reports and amounts which is illegal under the Fair Credit Reporting Act. This needs to be addressed as soon as possible by the escalation team. If it isn't I'm going to report this information to XXXX reviews, XXXX reviews, XXXXXXXX XXXX app reviews, going to make a complaint to XXXX  and going to contact the agency that handles the FCRA. You are causing me damages by destroying and lowering my credit score with false reports and information. 


WHAT THEY ARE REPORTING AND THIS FALSE INFORMATION IS ILLEGAL AND IS CAUSING ME PERSONAL LOSSES AND DAMAGES
Consumer complaint received 2024-05-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: CCS Financial Services, Inc. (MA)

Dear Consumer Financial Protection Bureau, I am writing to formally lodge a complaint against Credit Collection Services for their flagrant violation of consumer protection laws, particularly as outlined in 15 USC 1681b. It has come to my attention that Credit Collection Services has included the transactional history between themselves as the creditor and me as the consumer in my consumer report. This inclusion of transactional history directly contradicts the regulations set forth in the aforementioned statute. 
According to 15 USC 1681b, a consumer report is explicitly defined to exclude the transactional history between the creditor and the consumer. Despite this clear legal provision, Credit Collection Services has failed to comply with these guidelines, thereby infringing upon my rights as a consumer. 
The presence of this transactional history in my consumer report has had severe adverse effects on my overall credit profile. It has unfairly skewed my credit standing and misrepresented my financial history to potential lenders and creditors, consequently impeding my ability to access favorable financial terms and opportunities.
Consumer complaint received 2023-02-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: REGIONS FINANCIAL CORPORATION (MO)

XXXX XXXX  fuel card was used in another state ( AZ ) while the card was in our possession and we have transactions to prove that we where in Missouri on the same day. Fraudulent charges totaled XXXX $ and XXXX XXXX said that I'm not covered under their card agreement.
Consumer complaint received 2022-10-20
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: CLGF Holdco 1, LLC (OR)

On XX/XX/2022 I received an alert on XXXX XXXX account stating I had a hard inquiry from a company call XXXX XXXX Further investigating I called the company Genesis Financial Solutions giving my personal identity to see if they can find me in their system. No one could help me so I decided to file a complaint with XXXX XXXX XXXX 
I would like this hard inquiry removed from my account due to fraudulent activity.
Consumer complaint received 2023-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

I requested and reviewed my credit reports from all 3 credit bureaus. I found that all 3 credit bureaus are reporting my car loan balance to be incorrect. I contacted my loan company and we both verified what the correct balance should be. I disputed the inaccurate information twice and twice the credit bureaus are not updating my consumer credit reports with the correct information. 

All 3 credit bureaus are reporting that my XXXX XXXX balance is {$27000.00}. I contacted XXXX XXXX by phone and the representative and I agree that the balance on my account is {$27000.00}
Consumer complaint received 2023-06-07
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: EQUIFAX, INC. (PA)

Its has been since XXXX of XXXX to current, I have sent individual FCRA Section 604 letters out to dispute and request written evidence of specific hard inquiries and FRAUDULENT/INACCURATE Accounts on all the Credit report to XXXX. I notice several companies that I do Not recognize nor authorized consenting to.The letter detailed the specific Unauthorized FRAUDULENT Accounts, INACCURATE Accounts, and Inquirys in question and was sent certified mail/return receipt, copies are attached and so are the credit bureau XXXX XXXX. Below are the detailed Unauthorized FRAUDULENT/INACCURATE Account and Unauthorized FRAUDULENT Inquiries I asked to have investigated in early XX/XX/XXXX to Current days date. Unauthorized FRAUDULENT/INACCURATE Accounts XXXX. XXXXXXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX Unauthorized Inquiries XXXXXXXX XXXX DATE XX/XX/XXXX. Please verify these credit inquires that pulled/ viewed my credit without my permission. Within XXXX business days in compliance with FCRA. XXXX AND EQUIFAX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy.
Consumer complaint received 2022-10-20
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: Experian Information Solutions Inc. (IL)

in accordance with the Far 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 XXXXXXXX XXXX XXXXXXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2018-03-04
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (CT)

I paid my mortgage in XX/XX/XXXX online. I found out in XX/XX/XXXX that the payment had not been processed when going online to schedule my payment for XX/XX/XXXX. I immediately remade the payment for XX/XX/XXXX. I then made another payment for the month of XX/XX/XXXX. My credit report has been reported late for XX/XX/XXXX even though I scheduled it in XX/XX/XXXX. For some reason Mr. Cooper did not process the payment. I have emailed and called them to resolve the issue as well as notifying the credit reporting agencies but Mr. Cooper has not helped resolve the issue. 

Secondly I have now been forced into loan modification. Apparently although my payment for XX/XX/XXXX was a full payment I have only been credited a modification amount with the rest of my payment being " unapplied funds ''. I did not request a modification at any time. The online system is FORCING me now to make lower payments as a modified payment. I did not request nor want this. My mortgage is current. Therefore I should not be unwillingly forced into a loan modification payment because of Mr. Cooper 's error in not processing my XX/XX/XXXX payment properly. 

I have attached the statement from Mr. Cooper for the payments for the past 12 months. The XX/XX/XXXX payment was scheduled in XX/XX/XXXX BUT was actually processed on XX/XX/XXXX after I remade the payment for the second time after learning the payment that was scheduled to come out in XX/XX/XXXX did not process.
Consumer complaint received 2022-10-29
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. (CA)

I obtained a copy of my consumer report and saw accounts on it that were not authorized by me. There are numerous violations of the federal law, the FCRA. Pursuant to 15 USC 1681 ( a ) ( 1 ), congress made clear findings that my consumer report must be fair and accurate to me, the consumer. The reporting agencies have assumed the vital role in assembling and evaluating consumer credit, on their own. By law, pursuant to 15 USC 1681 ( a ) ( 4 ), consumer reporting agencies have grave responsibilities of fairness, impartiality and respect the consumers ' right to privacy. My right to privacy has been infringed upon, and I have never given up my right to privacy, nor did I authorize them to report any information on my consumer report. The erroneous and fraudulent reporting on the reporting agencies ' part has caused me financial harm and adverse action against me. I have never given XXXX, XXXX or Equifax consent to report any accounts on my consumer file, making this aggravated Identity Theft. All three agencies are also guilty of conspiring with these companies to violate my federally protected rights. Pursuant to 15 USC 1681 ( c ) ( a ), information excluded from consumer reports ( b ) no consumer reporting agency may make any consumer report containing any of the following items of information ( 5 ) any other adverse information. Any harmful, inaccurate account furnished to my consumer report is an adverse action.
Consumer complaint received 2022-10-29
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. (CA)

I obtained a copy of my consumer report and saw accounts on it that were not authorized by me. There are numerous violations of the federal law, the FCRA. Pursuant to 15 USC 1681 ( a ) ( 1 ), congress made clear findings that my consumer report must be fair and accurate to me, the consumer. The reporting agencies have assumed the vital role in assembling and evaluating consumer credit, on their own. By law, pursuant to 15 USC 1681 ( a ) ( 4 ), consumer reporting agencies have grave responsibilities of fairness, impartiality and respect the consumers ' right to privacy. My right to privacy has been infringed upon, and I have never given up my right to privacy, nor did I authorize them to report any information on my consumer report. The erroneous and fraudulent reporting on the reporting agencies ' part has caused me financial harm and adverse action against me. I have never given XXXX, TransUnion or XXXX consent to report any accounts on my consumer file, making this aggravated Identity Theft. All three agencies are also guilty of conspiring with these companies to violate my federally protected rights. Pursuant to 15 USC 1681 ( c ) ( a ), information excluded from consumer reports ( b ) no consumer reporting agency may make any consumer report containing any of the following items of information ( 5 ) any other adverse information. Any harmful, inaccurate account furnished to my consumer report is an adverse action.
Consumer complaint received 2023-07-26
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. (FL)

I just recently reviewed my credit profile for the first time, as I have never done so before. When I was reviewing my profile, I noticed an account listed on my credit profile which I had no idea whatsoever where it may have come from. I started panicking so I reached out the bank that was listed on my credit profile and tried to inform them of the issue and all the representative told me was to research the FTC and file an FTC report and report it to my local police department which is what I did. The account is from XXXX XXXX XXXX  and for a limit of {$300.00}. The bank closed the account and is reporting this negatively on my credit profile. I would like you to please help me and get this issue resolved and get the fraudulent account Deleted from my credit Profile completely on all 3 Credit Reporting Agencies. I also have Unauthorized Hard Inquiries from the companies listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (NJ)

I never received the fiscal car, it was used from XX/XX/2023 to XX/XX/2023 in fl ny ca XXXX XXXX I didn't visit I was working in nj XXXX  days a week XXXX hours and I got proof that from my employer, after contacting chase JPMorgan they said I have to pay those {$1600.00}
Consumer complaint received 2024-06-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO. (PA)

I tried to cash a check that was not in my name ( I didn't know it couldn't be done since a friend lent me money but gave it to me in a check in her name. The bank kept the check and accused me of fraud ) Every time The caller gave them all the information about the owner of the check but according to them they could not communicate with her because she was out of the country. When my friend returned there was nothing to do but they didn't tell her where she could claim that money.
Consumer complaint received 2022-12-02
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: Experian Information Solutions Inc. (NC)

I wrote a letter about false information on my credit report, and more than 60 days later, I still haven't heard anything back. I think my complaint is being disregarded and that I'm being victimized of. It is precisely stated in Section 611 ( a ) that refusal to investigate these allegations within 30 days is cause for immediate removal of all those allegations from my credit report ; given that it has been more than 60 days, they should be promptly deleted. I demand that these accounts be terminated right away, or else I'll pursue you for the anguish you put upon my life. The XXXX data breach exposed my information well as, and it's feasible that it landed in the incorrect hands. Also following the Experian Lawsuit of them reporting misleading information and me not getting any notifications or updates about my report concerns me something fraudulent may have be done.
Consumer complaint received 2023-09-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (VA)

Aidvantage is not taking my payment for student loan. I tried paying off my entire student loans two times and both times I have received a payment confirmation ( same day ) and a balance of {$0.00} ( about 2-3 days later ), and remains that was for the next 3 days. Yet they made no attempt to take money out of my bank account and the website payment history states a " Payment Reversal '' a week after I made my payment. Then, their website states the payment reversal was done the same day. Spoke to customer service and it was stated that the reason for reversal was unknown. Company refuses to allow payment and my account continues to accrue interest.
Consumer complaint received 2023-11-10
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. (NJ)

I've made two prior request ( this being my third ) of removal late payments from my consumer report from Equifax. I've asked them to provide method of verification, which they didn't provide. I've asked for proof that the payments were late, which they didn't provide. They simply parroted the same information from the first request, I also explained the account was a business checking account not a credit card account. 

They have illegally re-aged the account and added payments to support the re-aging that are inaccurate.
Consumer complaint received 2023-07-06
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

Good morning. I am trying to fix an error on my Capital One account. There are a few late payments occurred from 2018 and a couple months for due to a car accident and I was financially struggling and could not pursue any payments on credit cards. Same time around XXXX. I was laid off for a few months due to the pandemic and I had another late payment or XXXX. Since then I have never missed a credit card payment. Ive been in good standing for a few years now. I reached out to Capital One for assistance and was failed to have anything pursued to be fixed.