davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXXXXXX Balance : {$670.00}.
Consumer complaint received 2023-07-21
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. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-01-25
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Byrider Franchising, LLC (IL)

I had a car loan with C.N.A.C through J.D. Byrider in XXXX. I was told that I had to pay for outside insurance because the insurance that they provide was for their benefit. I paid a XXXX down payment because I was told it was required. I had the car for over a year and the balance never went down. I called and asked them for a copy of the contract and they kept giving me the runaround. They repossessed my XXXX XXXX in XXXX when I was in XXXX taking care of a family member. I was not behind a month, my balance was around XXXX but they took the car and charged an additional XXXX. I knew what they were doing was wrong I just didn't have the knowledge to help me. I sent them an affidavit of truth on XX/XX/XXXX and have not got word from them. An unrebutted affidavit stands as truth in commerce, an unrebutted affidavit becomes the judgment in commerce.
Consumer complaint received 2024-02-20
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: M&T BANK CORPORATION (MO)

I processed my monthly payment with additional payment attached to it. When I applied the additional payment it auto-enrolled me in auto pay. I did not want to be included in auto pay, and it subsequently cancelled my processed payment. It did not alert me of this cancellation, and I was never notified for 30 days that my payment had never processed. It was reported to the credit agencies even though I paid it immediately upon being contacted. I explained to the support team what transpired and the confirmed they say the additional payment and transaction on the site. They agreeded they were aware of the automatic enrollment in auto pay even though that is not what should happen. They refused to fix this or work with me. They told me to report it to the credit bureau which I did and then they failed to fix it with the credit bureau. I have made every payment on time. Before and after that. It has effected my refinance options and credit score significantly negatively impacting my life with hiked interest rates for other financed things. I am pleading that these things get resolved as I am not deserving of this demerit. Thank you.
Consumer complaint received 2023-06-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (NV)

I have filed for unathorize dispute Wells Fargo regarding my checking account as we were overseas and have noticed charges from XXXX XXXX and XXXX without my knowledge as I had no means of checking transactions due to poor internet connection in the rural province of where we were. I have filed the follwing claims : XXXX. XXXX XXXX. XXXX Before the XXXX or 30 day investigation period it was automatically closed and have asked for report but they were unable to send anything and instead just the typical note saying they did not suspect fraud due to the fact the account was being checked online and its valid. I have filed a complaint to XXXX as well and they kept sending the same letter and all I want is for them to investigate as I never did made any transaction with XXXX XXXX or XXXX. A big amount have been stolen from my account and I have also been contacted by Police Officer in XXXX  but nothing was done to resolve it. I was told the case have been sent to them but they did not do anything as they said the charge was done online. How are they to claim fraud protection when they are letting the fraudsters get away with taking money from consumers account and the bank does not do anything to investigate and instead of helping the consumer they just assume on a basis that is not favorable for the account holder. I just want my money back and have them investigate as I have been unable to get far with XXXX XXXX and XXXX as I did not know any reference numbers and nothing in my name was showing up in there system. I was told to dispute with the card issuer but how am I suppose to do that when they are not willing to help me get my money back amd do an investigation.
Consumer complaint received 2023-06-19
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. (AL)

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.

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-06-04
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc. (FL)

The credit Collection Services companies has placed a derogatory account on all 3 major credit bureaus. Ive attempted to dispute the matter with the company but was denied. I discovered that CCS is NOT licensed in the state of Florida to collect a debt from anyone living within the state, which is a violation.
Consumer complaint received 2023-06-04
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: Experian Information Solutions Inc. (TX)

I have recently submitted disputes about accounts that i have discovered on my report due to identity theft. some accounts are removed and some are not. On XXXX XXXX I submitted refusal to pay letters via the website due to the results coming back verified from the previous dispute I provided on XX/XX/2023 to this company and the creditors asking them to verify and validate this debt but I have not received a response from them. Now this company says that they can not block the information that I requested because they don't have my identity theft report, a copy of my ID, my name, social, address even though I have submitted this info several times over the course of this last year. I personally sent this information by certified mail.
Consumer complaint received 2023-04-21
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: Experian Information Solutions Inc. (FL)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-06-04
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. (AZ)

On XX/XX/XXXX ; I had agreed to an auto refinance for my then XXXX XXXX XXXX. The company that solicited me the refinance offer was called XXXX and they had assigned the loan to a company called XXXX XXXX XXXX. Issues with the loan refinance arose after it was assigned to XXXX. XXXX never filed for a new Arizona auto title, and never perfected the lien on the vehicle. About a month later, I recieved the previous title that was cleared of any liens. I had verified with the state of Arizona Department of Transportation Motor Vehicle Division that no lien was placed by XXXX. I attempted to speak with XXXX customer service about the huge issue with the title and was ignored. At one point I was threatened with reposession despite XXXX not having legal ownership via a perfected lien. Eventually, I had enough and sold the vehicle to a local dealer which had no issue transferring the title. XXXX then charged off the loan and marked it as a reposession despite no reposession ever taking place. They placed on my credit bureau this reposession that doesnt exist. XXXX by their failures with this loan has not only destroyed my credit, it has caused emotional distress and XXXX
Consumer complaint received 2023-06-04
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Linebarger Goggan Blair & Sampson LLP (WA)

Received a letter from attorney with po box in California, but send payment to po box in Texas. For a XXXXyr old adjudicated court case. The letter wanted a large sum of money or actions will be taken against me. The usual ones, garnishment and levies..
Consumer complaint received 2023-06-19
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. (NY)

If, upon completion of your investigation, you find that any of the disputed items are inaccurate, incomplete, or unverifiable, I request their immediate removal from my credit report. Furthermore, I ask that you provide me with an updated and corrected copy of my credit report once the necessary revisions have been made. 

I have enclosed copies of the relevant documents and supporting evidence that substantiate my claims. Should you require any additional information or supporting materials, please inform me promptly. I appreciate your attention to this matter and anticipate your prompt action to rectify the inaccuracies on my credit report. I trust that, in doing so, you will ensure fairness, accuracy, and compliance with the applicable laws governing credit reporting. 

Thank you for your cooperation and prompt response. 

XXXX XXXX
Consumer complaint received 2022-12-22
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. (IN)

I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the account.
Consumer complaint received 2023-06-04
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: CITIBANK, N.A. (CA)

XXXX was charged for an amount of {$1600.00} for a healthcare service that ended up damaging me and cost me more money out of pocket. I cancelled the service early ( as there was more service previously booked ) and left the merchants home due to injury. I disputed the charge with Citi Bank, sent in proof of flights leaving the merchant, XXXX accommodation for time needed to heal before traveling back to my home, flight leaving back to my home, and an invoice from a local chiropractor from the damages done. I have provided ample amounts of proof for the dispute, while the merchant has none. Attached : -Proof of original flight. XX/XX/22 - XX/XX/22. -Proof of departure from merchant XX/XX/22. -Proof of XXXX stay. -Invoice proof of damages. 

The company resolved half of the issue, and is not assisting with the other half. I was told the other half would be taken care of, but now it just sits in my account is becoming a late payment. I have called multiple times, and each time I get a different answer. This other {$600.00} needs to be removed from the account.
Consumer complaint received 2017-09-20
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (PA)

I know that I am in good standing with the collection agencies and they are not properly submitting the amount on my credit report. Prior to this as well I tried on several occasions just to pay it off and offer an amount and they refused that as well. I believe this needs to be taken off now and I should not have to pay this back.
Consumer complaint received 2023-01-25
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: Experian Information Solutions Inc. (TX)

As I was reviewing my credit report, I realized that my consumer rights are being violated by Experian. 

The following accounts are being reported by the Experian, and must be removed immediately for violation and inaccuracy : XXXX XXXX XXXX Bankruptcy XXXX Bankruptcy Report Number XXXX XX/XX/XXXX Report Number XX/XX/XXXX XXXX 15 U.S.C. 1681 Section 602 A. States that I have the right to privacy.

15 U.S.C. 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 ) : 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 personal 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 may be inaccurate
Consumer complaint received 2023-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (DC)

Federal law requires the three major credit reporting companies to offer consumers free credit freeze services that should block most unsolicited credit inquiries. Experien offers such a credit freeze that seems to comply with the minimum requirements of federal law. However, about a year ago Experien began offering a paid " credit lock '' feature. The credit lock appears to work similarly to a credit freeze, especially at first glance. 

Since the introduction of that " credit lock '' product, visitors to the Experian site who have instituted a credit freeze have been greeted with a message that their accounts are " unlocked '' and that they would have to pay a subscription fee to lock their account. At the same time, Experian has buried links to their " security freeze '' page so that they can not be easily found. The impression is that sellers of financial products as well as criminals have unfettered access to your credit details until you pay Experian a fee. 

Experian should be required to prominently display its mandatory " credit freeze '' options on the home page of its website, including on navigation menus. The site should explain with clarity and specificity that any paid offerings are in addition to what is available to the consumer for free under federal law. While Experian will say that they do provide this information, the problem is that the priority is to encourage customers to purchase services they may not need or want. It is highly likely that the way Experian is presenting this information has caused consumers to pay for credit freeze protection that they are legally entitled to without charge.
Consumer complaint received 2020-07-29
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

Hey Guys. Hopefully you can help me out. I sent a letter to the credit bureaus over 2 months ago and I haven't gotten nothing back. Aren't they supposed to respond to me in 30 days? It's been more than twice that with nothing. Can you check into this for me please?
Consumer complaint received 2023-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MD)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2021-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (AL)

I found errors on my credit report. I submitted a dispute on XX/XX/2020 it has been over 60 days. I have not received anything from the bureaus regarding my dispute. They are required by law to address a dispute from a consumer in a timely manner
Consumer complaint received 2023-06-04
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. (FL)

I reached out to you guys a while ago asking about those negative items After the investigation, the items were deleted. Unfortuately, the joy was short-lived. The items have returned back to my account and creating more harm to my report and current lifestyle. As per mandatory by the FCRA 611 ( 15 U.S.C. 16811 ) it is required that you guys send me ( within 5 days ) a certification of accuracy and also a notice of the updated information. I haven't received any of this, because of this, I am demanding you remove all information associated with these debts from my credit report instantly! If the information isn't removed from my credit report in 15 days I will be forced to start Litigation and file a complaint with the Consumer Financial Protection Bureau ( CFPB )
Consumer complaint received 2023-06-04
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: Experian Information Solutions Inc. (FL)

15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 15 USC 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

The Following Inquires on document are a result of Identity theft and was not initiated by me, I demand that they are DELETED immediately :
Consumer complaint received 2023-06-04
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CREDIT ACCEPTANCE CORPORATION (VA)

When the contract with the company was started the agreed upon payment date was the XXXX of every month starting in XXXX. I was having trouble managing the payment date so I set up a payment arrangement to split the payments into two transactions with the promised dates of the XXXX and XXXX of each month until canceled on my end for half of the paying around XXXX XXXX and XXXX dollars. The month of XXXX the money came out of the account on those days and everything was fine. I check my account due to the fact I will be having an up coming payment and notice I am charge a XXXX dollar late fee on the XXXX of last month, XXXX. I checked all of my transactions and the money came out on the XXXX around the same time XXXX just as promised. Yet my account is saying a passed due late fee of XXXX dollars was giving to me on the XXXX of XXXX. I have never missed or been late on a payment since I started with the company and Im not understanding why this charge has been given to me. Ive tried calling and the office is always closed by the time Im out of work or on weekends even tho it says it is open. I want this fee gone immediately and not reported on my credit nor do I want this problem again.