davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-07
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: Exeter Finance, LLC. (MO)

During the week of XX/XX/XXXX I called Exeter Finance to have my title mailed to me. They told me that they mailed it to the address on file in XXXX, but I no longer lived there. They told me a lie that I only updated my mailing address a week after they sent the title. However, I have email evidence between myself and an agent of their company, XXXX XXXX, where we discuss that I'm asking for an out-of-state title transfer and I provide my current ( at the time ) address. This email was more than a year before they claim I updated my address. The company has sent me a lien release, but they refuse to cover the cost of replacing the title, which they have an obligation to provide me. After speaking with other agents of their company, they stated they would refuse to cover the cost of replacing the title.
Consumer complaint received 2023-08-11
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. (GA)

I have no recognition of these hard inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services (PA)

After overpaying my balance due to XXXX 's inability to keep accurate accounting and records of what was due, the servicer has been unable to issue a refund for the past 8 months. I have spoken with numerous customer service representatives who are unable to help. They continue to defer and dodge questioning positioning blame on other agencies or companies. XXXX owes XXXX check amounts, XXXX in the amount of {$10000.00}. And another in the amount of {$3.00}. They also owe back interest and penalties for damages for with holding this amount and critical information.
Consumer complaint received 2023-09-05
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NH)

My information was stolen in New York around XXXX I reported this to the XXXX ( XXXX ) credit Bureaus and was unable to resolve and dispute addresses, phone numbers and some of the instruments that were on my report. Some of these items still remains today ; All Phone numbers except for ; XXXX All Addresses except for ; XXXX XXXX XXXX, XXXX XXXX XXXX XXXX The persons who committed the larceny to all my information which include ; XXXX. Passport XXXX. Drivers License and other important docs, they did not get my Emails. 

When I reached out to the Bureaus to make the complaint and lock my credit I was unable to find the supporting information. I have found the supporting documents and i am hoping this will help with my journey back.
Consumer complaint received 2023-08-11
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. (FL)

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-12-11
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. (CA)

In accordance with the Fair Credit Reporting act XXXX, XXXX XXXX XXXX Account # 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
Consumer complaint received 2023-08-11
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Bread Financial Holdings, Inc. (GA)

Comenity Bank XXXX XXXX aka XXXX XXXX aka Cathrines they said I received merchandise from them and I never received any merchandise from them I filled a police report and sent it to them along with a affidavit from them. And Comenity Bank said I receivec merchandise. I live in a bad area XXXXXXXX XXXX all the time they steal packages and break in cars. The police can't do anything but give you a police report. One week they broke into 21 cars. This is a XXXX XXXX and they always pick on the seniors. I called and told them about it today and spoke with XXXX employer # is XXXX frm Comenity Bank. They are making my credit bad I never paid them for something I didn't order. They reported to the credit bureaus. What can I do and they know I'm a senior of XXXX yrs old and taking advantage of my senior years.
Consumer complaint received 2022-11-25
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. (NV)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account # 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
Consumer complaint received 2024-09-26
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: CAPITAL ONE FINANCIAL CORPORATION (NC)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2024-09-18
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

I received a letter saying : " If you want us to review your application for the XXXX  XXXX VISA Signature card please remove the restriction on your consumer report and call us in the next 30 days. '' The bottom of the page has printed : " Bank of America and the Bank of America logo are registered trademarks of the Bank of America Corporation. Bank of America, XXXX XXXX FDIC. XXXX XXXX  '' XXXX ). I didn't apply for this card. 
XXXX ). It was sent to our previous address and forwarded to me. 
XXXX ). I haven't had a Bank of America account since XXXX. 
XXXX ). I tried calling BofA ( not the number on the letter ) and couldn't access help because I'm not an account holder so I couldn't get past the opening message XXXX  .extremely frustrating! 
XXXX ). The number listed on the XXXX  XXXX XXXX letterhead is XXXX and I'm not going to call because I think this whole thing is possibly a fraud. 
XXXX ). There are 2 different sizes and fonts used in the body of the letter.
Consumer complaint received 2024-08-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (FL)

I received a XXXX XXXXXXXX XXXX Economic Injury Loan for XXXX that was deposited at my personal Chase account, the Bank accepted the money. I used XXXX, and after a month when I tried to get the rest of the money the bank closed my account. I have never received my money. The Bank stayed with the funds, including my paycheck from my current job at the moment. I am still being accounted for the Loan and I have to pay the full XXXX back to XXXX.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS) (CA)

Since this is my second request, I will also be providing the reasons for disputing the information. I have enclosed it again sending a copy of this letter to the Federal Trade Commission to inform them that I have proof of sending letters to you and that you have not complied with my request. Additionally Under the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), Fair Debt Collection Practices Act ( FDCPA ) I am entitled to dispute inaccurate information on my credit report and expect a thorough investigation of my claims, I have reported this matter to the Consumer Financial Protection Bureau ( CFPB ) and the XXXX XXXX XXXX XXXX XXXX XXXX to seek their assistance in resolving this issue. 

Please find below my reasons for dispute : still reporting them as accurate you need to cease and desist this CXXXX 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 XXXXXXXX
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

"
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

iam a victim of identity theft i found a few accounts that i dont recognise and student loans and ive never been to school my credit is harmed and they violated my privacy and ruined my credit and this is illegal i contacted my lawyer and he said we need proof and they never sent me contracts and signatures this is illegal and as of 15 U.S Code 1692g validation of debts and improper use of my credit report. in accordance with with the fair credit reporting act, this creditor has violated my rights under 15 USC 1681 section 602, states i have the right to privacy, 15 USC 1681 section 604A section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. under 15 USC 1666B, a creditor man not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose i contacted all of them and never sent me anything 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 2023-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Mortgage Company 's offering credit have not set standard. I have tried 3 different companies and Each can use there own standard regardless of what is in the 3 major credit agencies. Example : Trans Union may have you at XXXX ... the lending agency under there report has you at a XXXX ... Big difference when applying for a loan and the rate the loans get... it wrong and stop good people for qualifying for affordable homes.
Consumer complaint received 2022-12-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION (OH)

I got a loan through credit acceptance corporation back in XXXX i fell into a hard ship then co vid 19 came i was totally out of work the company said i was eligible for covid relief i didnt have to pay instead they charged me anyway i spent several months give the car back because it was not a good car i was way over charged in XX/XX/XXXX the company came got the car back in their possession then the rates went threw the roof like XXXX dollars i cant afford that this has destroy my credit i cant get nothing approved im living in motels and renting rooms from friends i want this off my credit
Consumer complaint received 2023-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

My Equifax Credit Report has not been updated with accurate information for my XXXX XXXX  credit card. The last update to my account information was on XX/XX/XXXX, to reflect my XX/XX/XXXX statement. I have contacted XXXX XXXX 3 times. Each person was unable to assist or pinpoint the root cause of the issue. The person I spoke with on XX/XX/XXXX told me that it might be due to the conversion -- the conversion of XXXX XXXX  credit card from XXXX to XXXX that occurred over the course of XXXX. XXXX XXXX  does not have customer service that are available to address back office issues such as credit reporting. 

This is causing harm to my personal situation. I am a returning, non-traditional college student and have been denied private student loans due to the outdated credit information on my credit report. In addition, I have noticed that Equifax credit reports that are pulled by creditors are never current. They are often 60 days or older.
Consumer complaint received 2017-04-06
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Eastern Account Systems of Connecticut, Inc. (GA)

Eastern Account System has placed a account on my credit that is n't mine from XXXX in the amount of {$320.00}. I 've reached out to XXXX on numerous occasions and the only information that was given to me that it is a account sold to Eastern Account System also that this account is 2 months away from reaching the statue of limitations in the state of Georgia and also could n't identify the debt as being mine. I wrote Eastern Account System to receive a debt validation, I have n't yet received any response. I 've called them at the number reporting on my credit report which is XXXX and left several messages on the their voicemail with no response.
Consumer complaint received 2023-08-12
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: Fidelity National Information Services, Inc. (FNIS) (CA)

I am submitting this CFPB Complaint to dispute the fraudulent account listed on my credit report. I recently received a copy of my credit report and was shocked to find that there is this account that I did not open and have no knowledge of. The account in question are is : XXXXXXXX XXXX XXXXXXXX XXXX Original Charge Off Amount : {$1100.00}. I can assure you that I did not open this account or authorize anyone else to do so on my behalf. I believe that this is a case of identity theft and I am taking steps to report this to the authorities. IN accordance with the Fair Credit Reporting Act section 605b, I am requesting that the company involved investigate this account and have this account removed from my Credit File. I have here attached a copy of the FTC report I received from the FTC for reporting the theft of my identity and used to having this account opened under my name. Please provide me with a written response to this dispute and let me know the results of your investigation. I also request that you send me an updated copy of my credit report once the fraudulent items have been removed.
Consumer complaint received 2023-08-11
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. (TX)

Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 
A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.
Consumer complaint received 2023-05-17
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. (TX)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus on XX/XX/2023, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. The following accounts must be corrected immediately : XXXX XXXX  XXXX Balance Owed : {$10000.00} ; XXXX XXXX XXXX Balance Owed : {$7400.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$23000.00}.
Consumer complaint received 2023-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I have disputed multiple times for inaccurate addresses. These bureaus say that they can not remove addresses from my report and say that they are attached to accounts when one of them is an address that does not exist. They will also not take off multiple names that belong to me. They will not give me information on how they verified these accounts as well.
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

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 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 2024-05-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MI)

XXXX, XXXX, & Equifax continue to report inaccurate information on my consumer report. My name is XXXX XXXX my address is XXXX XXXX XXXXXXXX XXXX XXXX, MI XXXX there should be no other names or address listed on my consumer report. You do not have authority or permission to report any other information other than whats above. My employer is XXXX XXXX XXXX and thats the only employment that should be listed.
Consumer complaint received 2024-10-17
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. (GA)

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 I looked at my Transunion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, 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.

And according to 15 USC 1681s-2 they are suppose to 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.