davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-13
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (TX)

On XX/XX/2024 I traded in an XXXX financed with XXXX  XXXX  to a Nissan dealership in XXXX Texas. The dealership agreed to payoff the rest of the amount owed to XXXX, while we agreed to finance a new car with them. They did not send the money to XXXX until XXXX XXXX. Due to the money being sent 39 days after the agreement, our lease with XXXX  was considered delinquent due to missed payment and my credit score dropped XXXX points. I had to ask more than three times if the money was sent before getting a tracking number of a money order that was sent XX/XX/XXXX. 

Nissan also sold the car with one of the main selling points being a certified XXXX mile warranty on the car, this required yet another visit in person to obtain as phone calls and emails were not being answered, I even had to deny being told that I did not purchase this, as I told them the warranty was already certified prior, as the sales rep repeatedly stated the day of purchase. After the financier called the service department, service stated that yes, the car had been certified for a XXXX mile warranty before the purchase, which resulted in me being a handed the warranty packet minutes later. 

At the end of it, I went into this deal with a XXXX credit score that is currently XXXX, due to the late payment with XXXX, this was our one and only late payment on the lease. The dealership advised me to open a dispute with XXXX to correct the score, XXXX dismissed the dispute due to late payment and credit score remains XXXX. I would like my credit reinstated. 

Thank you, XXXX XXXX XXXX
Consumer complaint received 2023-06-23
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. (FL)

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I just took a look at credit report XX/XX/24, and found a charge off from sprint who is suppose to be orignal creditor. 

1. account. XXXX XXXX ( XXXX XXXX : XXXX XXXX  ) Date opened on the 2 accounts do not match/ this is a charge off allegedly. 

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.

15 USC 1681 s-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 calls to believe that the information is inaccurate. 


THIS IS A VIOLATION OF MY CONSUMER RIGHTS.
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TOYOTA MOTOR CREDIT CORPORATION (NV)

On XX/XX/2024, I received an administrative settlement of an " alleged debt '' from XXXX XXXX XXXX, Reference No. # XXXX in an attempt to collect an alleged debt in the amount of {$18000.00}. Without notice Toyota Motor Credit Corporation corresponded with XXXX XXXX XXXX, in regard to the amount in question. Toyota Motor Credit Corporation is currently the reporting agency on my report with Account XXXX. XXXX, for the alleged debt that XXXX XXXX XXXX, claims is owed. Respectively trespassing on my XXXX, XXXX, and XXXX consumer credit reports. Toyota Motor Credit Corporation and XXXX XXXX XXXX, erroneously reported to me a contractual debt and that a civil dispute exists with us which is false, there is none to my knowledge. I've requested that these agencies validate these alleged debts, and produce the original contract to verify their claims against me. It has been almost XXXX month and there has been no response to my notice. In accordance with the Fair Credit Reporting Act these reporting agencies have violated my rights as a natural person, and living human being numerous times. 15 U.S.C. 1681, Section 602 A. states that I have the right to privacy. 15 U.S.C. 1681, Section 604 A, Section 2, states that a consumer reporting agency can not furnish an account without my written instructions. I demand in these instructions that the accounts Account XXXX. XXXX, Account XXXX. XXXX that are listed above, be removed according to 15 U.S.C. 1681.
Consumer complaint received 2024-04-12
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Credit Karma (CA)

On XX/XX/2024 I submitted a complaint with CFPB regarding an issue I have with Kredit Carma a few days later I find out my account has been closed for no apparent reason when I called Kredit Carma I spoke to a representative who provided me no reason or any information on why my account is closed and when I asked about a the money I have left on the account he said I have to wait for a final determination letter in the mail. I'm filing this complaint because I believe Kredit Carmas actions to be retaliatory and I know it's illegal for any corporation to retaliate against any living petson
Consumer complaint received 2024-04-12
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: SUNCOAST CREDIT UNION (KY)

This account is still reporting on my credit profile, they have bad information on my report. ACCOUNT NUMBER : XXXX Past Due : XXXX XXXX Inaccurate is showing on two separate reports it's a past due showing a collection, Last Reported : XX/XX/XXXX Inaccurate XX/XX/XXXX Inaccurate are also following on my reports from this lender and on my reports.
Consumer complaint received 2023-01-26
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (MD)

I am a XXXX XXXX  disabled XXXX veteran. Due to this status, I am exempt from state and county property taxes. When financing my mortgage payment, calculations were computed assuming that I would NOT be paying escrowed property taxes. 

My mortgage servicing company has been withholding taxes in escrow since I bought my house in XX/XX/2022. I contacted my mortgage servicing firm XX/XX/2022 with the required documentation to demonstrate my permanent exemption. XXXX continued to escrow taxes, and my payment didn't go down. 

Originally, XXXX told me that I should expect a refund within XXXX business days. I called in XXXX, and I was told that it might take a bit longer. I called in XXXX, and they said that I had to request that I receive a refund from my county, because some of the funds were already transferred to the county, and that they were unable to not charge me escrowed taxes, but they would refund the other funds they had escrowed that weren't sent to the state 'yet. ' XXXX continued to extract escrowed taxes for all of 2022, but promised to send me a check " the first week of XXXX. '' Now, XXXX is saying that they " can't '' provide a refund for ANY of the escrowed taxes, and that they are planning to continue to escrow taxes in the future, because the state 's documentation " doesn't work for them. ''
Consumer complaint received 2023-06-08
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. (NV)

Hello these companies has been reporting fraudulent accounts. Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports. ACCOUNTS : 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 OF XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX and XXXX XXXXXXXX XXXX.
Consumer complaint received 2016-06-06
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA (IL)

I have XXXX private loans where I co signed for my daughter with American Education Services. They continue to misapply our payments as well as report is late to credit bureau. To make matters worst every time we call to resolve the issue the give me a difference payment amount that needs to paid as well as a different amount of days that I 'm past due. For example I called on Thursday XXXX XXXX, 2016. I was told that if I pay {$2200.00}. I 'll be current. I called back Friday, XXXX XXXX, 2016 to confirm amount and was informed that I was told that I 'm 109 days past due and I need XXXX to be current. Today XXXX XXXX, I received an alert on my credit report stating they AES reported me 120 days late. I asked for a copy of my payment history because in XXXX I called and got a similar story so I made the large payment and have been paying monthly since then and they are still claiming I 'm past due. They also informed me that they could not provide me with a copy of my payment history because my loans are now in default. They have gone up on the payment amount from {$500.00} to {$750.00} and now the payments are {$1000.00} a month. They continue to tell methat they are unable to lower payment.
Consumer complaint received 2023-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have been working on my Trans Union credit profile and I noticed there is an incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation supporting my dispute. Thank you for your prompt attention to this matter. 

The INCORRECT Address that should be deleted is XXXX XXXX XXXX XXXX XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX. 
Please keep in mind that Congress ( 15 USC 1681 ( a ) ( 4 ) ) makes it clear that I have a right to privacy. Privacy is not defined because only I can define what privacy is to me. 
( 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. 

Under the subsection 15 usc 1681b ( a ) ( 2 ) the reporting agency does not have my written instructions to report anything. The code says they need permissible purpose in accordance with written instructions. The credit reporting agencies ( XXXX, XXXX, and TransUnion ) do not have my written permission and this should be removed accordingly. 

I am under the impression that it seems as if a company has taken advantage of obtaining my personal address for their benefit. There is a huge risk of having the incorrect address on my consumer report because this could potentially be identity theft. 

I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Consumer complaint received 2023-05-25
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NC)

My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised 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 DELETE these fraudulent information from my credit report.
Consumer complaint received 2023-01-25
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC. (OR)

Calls are from Midland Credit XXXX. MANY MANY different phone numbers over the course of 10 years, most of which I have blocked, in the past I have advised them many times the debt is not owed and has timed out in all cases and they need to stop calling but they continue to call. 

After repeated calls from me asking them to stop they have blocked incoming calls from my number and now I am not able to call back or speak to them if I wanted to ( it hangs up immediately or rings forever if I call them at any of their numbers which is why I know all these numbers are theirs ). If I answer the phone when a call is received no reply and the call drops. Almost all their calls are after XXXX and the debt they want to collect is not owed, already cleared from my credit report, over XXXX XXXX XXXX, and they have been advised not to contact this number any longer. Basically, I can check almost all the boxes on this questionnaire in relation to this company that has been hounding me for 10 years.
Consumer complaint received 2023-06-08
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. (SC)

I am writing you with great concern. 

XXXX XXXX Account number : XXXX does not belong to me, and it has been proven. The account that made payments for the installment loan is not in my name however my social and personal info was used. 

A late payment was reported in XX/XX/23 and my credit file was alerted which is the reason i noticed this account. I filed a police report and ID theft report and the company : XXXX XXXX XXXX XXXX is not cooperating or willing to help in any way. If this is not taken care of and removed from my credit report I will be contacting a lawyer as this is affecting my score and preventing me from closing on a home. I have great credit and payment history and this is one of the only derogatory items simply because it was done fraudulently. The is not fair and against the law. CFPB please help. 

XXXX XXXX Account number : XXXX FTC Report Number : XXXX Police report number : XXXX
Consumer complaint received 2017-09-14
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. (TX)

Equifax failed to secure my and my wife 's personal data and it is now public as a result of the failure to encrypt my data. I was not directly notified of the failure to secure my data. I had to read about it on a social media press release. 

As a result of this, my wife and I have placed fraud alerts on our credit files as well as credit freezes to protect ourselves from the leak that was a result of Equifax 's negligence in protecting our data. The freezes have cost us {$41.00} so far and I would like to be reimbursed for the cost to protect myself. The costs to protect my wife and I could continue to go up and I would like to be reimbursed for the costs as it is a direct result of Equifax 's negligence.
Consumer complaint received 2023-06-08
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Opportunity Financial, LLC (FL)

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 Subject : Debt Validation and Request for Pay-to-Delete Agreement Dear Sir/Madam, Re : Account : XXXX/Opploans, XXXX XXXXXXXX XXXX XXXX XXXX XXXX I am writing in response to the recent communication I received from your collection agency regarding an alleged debt associated with the above-mentioned account. This letter serves as a formal request for debt validation as per my rights under the Fair Debt Collection Practices Act ( FDCPA ) and other applicable laws. 
I hereby request that you provide me with the following information to validate the debt : 1. A complete breakdown of the debt, including the original amount claimed, any accrued interest or additional charges, and a detailed account history. 
2. Verification that your collection agency is authorized to collect this alleged debt and has obtained all necessary licenses and permissions in accordance with local and federal laws. 
3. Proof of my consent and agreement to the terms and conditions related to this debt, which should include a copy of the original signed agreement between myself and the original creditor. 
It is crucial that you provide me with a copy of the original signed agreement that demonstrates my acknowledgment and acceptance of the terms and conditions associated with this alleged debt. Without this documentation, I am unable to verify the validity of the debt and address it appropriately. 
In addition to the debt validation request, I also wish to explore the possibility of reaching a mutually agreeable resolution regarding this matter. If the alleged debt is indeed valid, I am willing to discuss a potential pay-to-delete agreement, whereby I would make a payment in exchange for the complete removal of any negative information associated with this debt from my credit reports. This arrangement would allow both parties to resolve the matter amicably and ensure that my credit history remains untarnished. 
I kindly request that you respond to this letter within 30 days of your receipt. Failure to provide the requested documentation or respond within the specified timeframe will result in the presumption that the debt is invalid and must be removed from my records. Please note that any further attempts to collect the debt without providing proper validation will be considered a violation of the FDCPA. 
I prefer to communicate in writing to maintain an accurate record of all correspondences. Therefore, I request that you refrain from contacting me via telephone or any other means, except in writing, until the debt validation process is complete. 
Thank you for your attention to this matter. I anticipate your prompt response and the provision of the requested documentation. 
Sincerely, [ XXXX XXXX ]
Consumer complaint received 2018-01-03
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (SC)

On XXXX XXXX, 2017 I attempted to purchase some Ethereum on XXXX after I had logged in to my Coinbase account to check my USD balance. After logging in to XXXX my Coinbase account was hijacked while I was already logged in and all my coins transferred to the hackers wallet or account. XXXX Bitcoins ( {$9000.00} at time of theft ) and XXXX Ether ( {$2100.00} at time of theft ) were stolen. 

After weeks of no response, Coinbase finally informed me that I was allegedly the victim of a phishing attack. The hack appeared to be very sophisticated and possibly required insider knowledge of Coinbases security weaknesses.

Nevertheless, even though the hack may have resulted from a phishing attack I still hold Coinbase responsible for damages for the following reasons : 1. I was logged in to my Coinbase account when the hack occurred and that is the only reason I was able to make some screenshots with timestamps that document the hack. How is it possible that a second party can sign in to my account with my credentials from a different location with a different device while I am already logged in? This is in my eyes a huge and negligent security flaw on the part of Coinbase. 

2. While my Ether was transferred immediately, it took over an hour and 20 minutes for the Bitcoin to complete transfer. I initially reported the hack at XXXX XXXX EST via Chat and confirmed again via email at XXXX XXXX EST. I actually received a reply to my email at XXXX XXXX. Coinbase had ample time to shutdown my account before the Bitcoin transaction completed at XXXX XXXX EST. For whatever reason Coinbase did not shutdown my account until approximately XXXX XXXX  EST after the Bitcoin transfer had cleared. 

I have been trying to access my account in order to secure my USD balance that was transferred to my account after it was shutdown. I reset my password as requested but I am still locked out. It has been over two days and my account still has not been reactivated.
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: EQUIFAX, INC. (NJ)

To whom it may concern while checking my most recent credit report I noticed an account that I did not authorize XXXX XXXX XXXX account XXXX XXXXXXXX has violated my rights. This is a violation of the Fair credit reporting act section 1681 b ( c ) and a serious breach of my privacy rights.