davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-08
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: SANTANDER HOLDINGS USA, INC. (FL)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
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: Experian Information Solutions Inc. (TX)

I'm in the market to purhase a new home so I pulled a copy of my credit report and to my surprise found some errors. The errors are hurting my chance of buying a house for myself and my family any time soon. I found on XXXX  that I can request these item to be verified and receive a response within 30 days. Please help me out.
Consumer complaint received 2023-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (DE)

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 2023-09-08
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: Experian Information Solutions Inc. (IL)

XX/XX/2023, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

They also violated my rights numerous times.

The credit bureaus violated my given rights under 15 USC 1681.

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

According to : 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 According to : 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 2022-12-10
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2022-10-09
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Bridgecrest Acceptance Corporation (KY)

In XXXX of 2022 The Vehicle owner Left the Vehicle On the side of the road because said vehicle was inoperable due to a Car accident. The owner of the Vehicle was Unemployed at the time and could not afford to have the Vehicle towed. The Financial company Repossessed the vehicle and is still Charging my account effecting my Credit.
Consumer complaint received 2023-09-08
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. (TN)

It's been 30 days since I submitted a CFBP complaint on XX/XX/2023. XXXX has violated FCRA RULE 15 USC 1681. IT'S Now BEEN MORE THAN 30 DAYS.. XXXX HAS NOT RESPONDED TO MY COMPLAINT.
Consumer complaint received 2020-07-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (NH)

Wells Fargo refuses to remove PMI. LTV is 68 %. At the onset of COVID-19, I was concerned that I would lose all employment, I am a XXXX. I spoke to a Wells Fargo Representative who assured me that going into a forbearance status for 60 days would have no negative effects on my loan, credit reporting, etc. I used this opportunity to ensure that my finances were secured so that I would not default on my payments. I received notification from Wells Fargo ( after the fact ) that accepting this forbearance could, not would, affect my ability to remove my PMI payments of {$170.00} per month.

I immediately paid and brought the account current in XX/XX/XXXX, in addition to making an additional {$45000.00} payment. I requested that my PMI be removed. I am now being told that they consider my forbearance period as late payments ( 2 ) and that they would not remove PMI and that there would be no exceptions to this decision. In addition, they added another year for PMI removal. Initially scheduled to be removed XX/XX/XXXX to XX/XX/XXXX. 

What recourse do I have to remove PMI?
Consumer complaint received 2017-02-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Utah System of Higher Education (SD)

I have asked to have my account pulled for {$150.00} a month no matter what my payment might be ( it is lower than that ). I have paid off XXXX loans and each time I pay off a loan they lower my payment amount and stop taking out the {$150.00} as instructed. I 'm so frustrated as I want to keep my payment amount the same so I can pay off my loans more quickly than required. They continue to lower the payment and then take 2-3 months to get it back to the {$150.00} as requested. I have to continue to request the amount to be changed each time I pay off a loan. Then when I pay on XXXX loan specifically, the payment is disbursed between all loans, instead of just on the one that I wanted the extra payment to go to. They are completely frustrating and seem to just want to drag out the loans as long as they can to make more interest, when I 'm trying to pay them off early.
Consumer complaint received 2018-04-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (TN)

Nationstar failed to provide proper notification of monthly payment increase, fialed to provide proper notification of annual escrow analysis completion, failed to provide proper notification of increase in autodraft, failed to respond to direct complaint within 30 days, failed to provide explanation of creating escrow cushion at 1/12th which deviates from the RESPA 1/6th ruling, failed to respond to direct question " if the shortage payment is made in full, will that reduce the monthly payment to the previous lower amount? ", and failed to provide a copy of the recorded conversation on XX/XX/XXXX.
Consumer complaint received 2023-11-12
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: Bread Financial Holdings, Inc. (CA)

The letter that was attached in the last complaint... does not have an proper address and that's why I haven't received any notice from this company and whatever they said they are sending because the address they enclosed is wrong .... that's not my address.. the company XXXX 's closed down years ago i never opened an account with them.. I have my police report FTC report..
Consumer complaint received 2018-04-30
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. (PA)

Our Citi credit card was charged by a company XXXX XXXX ( XXXX XXXX ) for multiple charges. This was for a " free '' cosmetic sample. Upon learning that there would be a charge for future shipments of cosmetics, we called the company ( we believe in XXXX - maybe early XXXX ) to cancel all future shipments and charges. We also called Citi ( XXXX XXXX ) to contest charges to our account by this company in XXXX, XXXX, XXXX, and XXXX. Despite us stopping this service with the company, and contesting the charges with Citi, we see more charges in XXXX on our statement. Now Citi is telling us there is nothing they can do and I have to pay these charges. I've asked Citi on more than one occasion to block these transactions with this company. Citi has offered no help in resolving this. Citi also said if I close my account, they will not be able to contest the charges. They are using extortion to get me to keep my account open - or, I won't be able to contest the charges. Citi is HORRIBLE!!!!!
Consumer complaint received 2023-09-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC (MO)

on XX/XX/2023 I received a called from Radius Global Solutions stating that there is an attempt to collect a debt from a company called XXXX XXXX I have never done any type of business with this company XXXX XXXX  nor did I even know of its existence until I received this call. I told the person on the call that I have no clue what that company is and I needed the calls to stop. The person on the call hung up in my face immediately without saying a word. Hours later I received several calls from the same number but every time I would answer no one would say anything. I have been a victim of identity theft several times in the last few years and this is just another case of it. I have never done any business with XXXX XXXX  I have never had an account with them and I do not owe them any money. Any account made with XXXX XXXX  was made by someone who stole my identity and I did not authorize anyone to do any type of business with this company under my name or personal information. I have attached an FTC report stating the same thing.
Consumer complaint received 2023-07-22
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: EQUIFAX, INC. (NY)

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDIT BUREAUS HAVE NOT REMOVED FRAUD ACCOUNT Account name : XXXX XXXX Account name : XXXX BXXXXNK XXXX XXXX XXXX 99 % Balance {$6400.00} Balance updated XX/XX/XXXX Credit limit {$6500.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Revolving account Payment summary No payment history available to display. 
Status Charged off as bad debt Status updated XX/XX/XXXX Past due amount {$6400.00} Highest balance {$7800.00} Monthly payment - Additional info Responsibility Individual account Terms- Company sold - Original creditor - Comments Dispute resolved reported by grantor Your statement - Contact info Address LOCKBOX XXXX XXXX XXXX XXXX XXXX, PA XXXX Phone number ( XXXX ) XXXX PERSONAL NOTE '' THIS FRAUD ACCOUNT BEING ON MY CONSUMERS REPORT IS HOLDING ME BACK FROM EVOLVING AS A CITIZEN IAM NOT ABLE TO OBTAIN A HOME OR APARTMENT A GOOD JOB OR EVEN A LOAN OR CREDIT CARD! I DEMAND AS A FEDERALLY PROTECTED CONSUMER THAT THE BUREAUS AND COMPANIES INVOLVED REMOVE FRAUDULENT ACCOUNT OFF MY CREDIT REPORT AND CONSUMERS REPORT NOW PERMANENTLY!

I HAVE ALREADY DISPUTE THIS FRAUD ACCOUNT EVEN BEFORE THIS IN XXXX. I HAVE MADE AN IDENTITY THEFT CLAIM IN XXXX AS WELL THIS FRAUD ACCOUNT SHOULD HAVE BEEN REMOVED WITH IN 4 DAYS OF RECIEPT OF COMPLAINT!! ALL COMPANIES INVOLVED IS NOW IN VIOLATION OF THE LAW " FAIR CARES ACT '' RESPONSE DISPUTE 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT.

As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2023-09-08
Product: Credit reporting 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)

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. 


Account Name : XXXX XXXX XXXX XXXX XXXX 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 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: Experian Information Solutions Inc. (PA)

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX  Account Number : XXXX XXXX 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 2023-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

Incorrect information reporting on credit. Incorrect days late reporting on credit report. Ever since I had a payment to reverse my account has been reporting late but Im not technically this many days late. The payment later went through for this payment in XXXX. And its still reported as late and has been occurring days since. I have extra late fees because of this information. Even after Paying {$860.00} on XX/XX/2023, {$500.00} on XX/XX/2023, {$450.00} XX/XX/2023, {$810.00} XX/XX/2023, {$300.00} XX/XX/2023 and {$550.00} XX/XX/2023. The account was never updated correctly in the amount of days late. Late fees continues to increase as a result of this.
Consumer complaint received 2023-09-08
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Spring Oaks Capital, LLC (LA)

I ask Spring Oaks Capital LLC to email all information to my email address on XX/XX/2023, was told that they had emailed all relevant information to the email address on hand! no email was received nor have i received information, Disputed this with XXXX XXXX and Spring Oaks Capital Verified the debt with XXXX in less the 7 days! spoke with them again and still refused to verify, just stated that it was in dispute, but XXXX states other wise
Consumer complaint received 2023-07-13
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. (CA)

I purchased XXXX XXXX XXXX XXXX basic car no power windows automatic doors bought the car XX/XX/XXXX from XXXX XXXX my contract said {$17000.00} it was fianc through XXXX XXXX I started paying XXXXXXXX XXXX XXXX XXXX  {$460.00} I paid them XXXX payments of {$460.00} total {$18000.00} I had an accident XX/XX/XXXX car was total out I was hit XXXX times in the rear by XXXX truck the car was total out XXXX XXXX XXXX told me to get the payoff on the car XXXX XXXX told me I owed {$17000.00} more on the car I ask them what was they talking about I had never heard that the car costed {$35000.00} XXXX XXXX gave me {$9200.00} I gave that to XXXX XXXX total I paid them {$27000.00} I also had Gap Insurance they paid them I kept the car to try to sell parts from the car I had just bought me tires XXXX month before the accident thinking they would give me the Pinkslip to the car which they didnt I told them they could pick the car up I called XXXX XXXX XXXX they said this company XXXX XXXX had multiple lawsuits against them for overcharging Customers and XXXX XXXX also so they went out of business XXXX
Consumer complaint received 2023-05-11
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: EQUIFAX, INC. (MD)

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 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 2023-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

As a consumer and natural person am a victim of identity theft. XXXX, XXXX, Experian have used and furnished my consumer credit report without my authorization, consent or written instruction. They allowed companies to share my nonpublic personal information without my consent and also used that information to furnish. Congress makes it clear that the consumer has a RIGHT TO PRIVACY! XXXX, XXXX, and Experian has violated my federally protected right to privacy by failing to meet the needs of congress by ensuring that they exercise their grave responsibility with respect to the confidentiality of my personal information. The Fair Credit Reporting Act was intended to ensure that consumer reporting agencies exercise their grave responsibility with fairness, impartiality, and respect to the CONSUMER 'S RIGHT TO PRIVACY! XXXX, XXXX, and Experian are in direct violation of the FCRA and the Gramm Leach Bliley Act of 1999.
Consumer complaint received 2023-09-08
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: Experian Information Solutions Inc. (IL)

XXXX, Experian and XXXX refuse to fix and follow FCRA rules and regulations in ACCURATELY REPORTING creditor account information on consumers credit files. While disputing previous LATES being reported by XXXX ( ACCT # XXXX ), The Credit Bureaus recently updated that I was more than late 30 days for XX/XX/2023. My payments are due on the 2nd of each month. I made my payment prior to XXXX. How are they reporting me late after they received the payment? They are deliberately keeping me in a negative account status which is severely impacting my credit. This is fraudulent reporting and it is illegal. I have attached a receipt of my most recent payment made and also a copy of a complaint I filed with XXXX.
Consumer complaint received 2023-09-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XXXX, XXXX and Transunion refuse to fix and follow FCRA rules and regulations in ACCURATELY REPORTING creditor account information on consumers credit files. While disputing previous LATES being reported by XXXX ( ACCT # XXXX ), The Credit Bureaus recently updated that I was more than late 30 days for XX/XX/2023. My payments are due on the 2nd of each month. I made my payment prior to XXXX. How are they reporting me late after they received the payment? They are deliberately keeping me in a negative account status which is severely impacting my credit. This is fraudulent reporting and it is illegal. I have attached a receipt of my most recent payment made and also a copy of a complaint I filed with XXXX.