davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-02
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Yamaha Motor Finance Corporation USA (GA)

I have been making principal payments on my account ahead of schedule since the loan was opened on XX/XX/2017. Yamaha Motor Finance Corporation has not accurately applied my payments to the Principle to reduce the interest as requested. Additionally, when I call in to have the payments applied I get push back and I get multiple stories on how to get the payments applied to the principal.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts?

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand the following accounts be verified or deleted immediately. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-10
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Global Lending Services LLC (IN)

Account name : Global Lending Services Account number : XXXX Date opened : XX/XX/2022 Original balance : {$33000.00} Balance : {$36000.00} Responsibility : Joint with XXXX XXXX
Consumer complaint received 2020-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX Credit Card has for the last 2 years re-opened my charged off account and then closed it. Several times. All in an effort to make this already negative charge off even more damaging. I am XXXX and having extreme hardship due to Covid-19 and because of the improper activities of XXXX XXXX, my ability to obtain reasonable rates for insurance and loans because of my score, has become impossible. They currently show me as being late multiple times during the last 12 months despite having a XXXX   balance according to the information supplied by them to the credit bureaus. This is a violation of my rights under the FCRA. I have attempted to dispute this to the credit bureaus but have been no help.I am trying to refinance my mortgage but this incorrect information has caused several denials because of this.
Consumer complaint received 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX  and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft.
Consumer complaint received 2020-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (FL)

I reached out to Navient for my federal to and applied for a deferment with a representative and 2 days later they reported account as delinquent and my credit decreased 90 points. Once the deferment is in place my account is brought current. I called on friday the representative apologize and said they would not fix what was reported to the credit bureaus. 

This is horrible I just increased my credit 100 points and due to their error my credit score is paying for it.
Consumer complaint received 2024-06-07
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. (CA)

I am sending this correspondence to address significant concerns regarding the accuracy of my credit report Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must delete immediately the account accounts listed below. 
Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report. 

Please investigate these matters and remove the disputed items as soon as possible.
Consumer complaint received 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TN)

I am seeing that an inquiry is on my credit report for XXXX XXXX XXXX XXXX XXXX I have not applied for any credit cards with this financial institution. I have also filed with identitytheft.gov. please remove this fraudulent inquiry. this is a Violation of 15 U.S.C. 1681i ( 5 ) removal of all inaccurate/invalid credit. Please remove immediately
Consumer complaint received 2020-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX Credit Card has for the last 2 years re-opened my charged off account and then closed it. Several times. All in an effort to make this already negative charge off even more damaging. I am XXXX and having extreme hardship due to Covid-19 and because of the improper activities of XXXX XXXX, my ability to obtain reasonable rates for insurance and loans because of my score, has become impossible. They currently show me as being late multiple times during the last 12 months despite having a XXXX   balance according to the information supplied by them to the credit bureaus. This is a violation of my rights under the FCRA. I have attempted to dispute this to the credit bureaus but have been no help.I am trying to refinance my mortgage but this incorrect information has caused several denials because of this.
Consumer complaint received 2020-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

XXXX XXXX Credit Card has for the last 2 years re-opened my charged off account and then closed it. Several times. All in an effort to make this already negative charge off even more damaging. I am XXXX and having extreme hardship due to Covid-19 and because of the improper activities of XXXX XXXX, my ability to obtain reasonable rates for insurance and loans because of my score, has become impossible. They currently show me as being late multiple times during the last 12 months despite having a XXXX   balance according to the information supplied by them to the credit bureaus. This is a violation of my rights under the FCRA. I have attempted to dispute this to the credit bureaus but have been no help.I am trying to refinance my mortgage but this incorrect information has caused several denials because of this.
Consumer complaint received 2023-01-09
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. (CA)

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. 

XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX 15 U.S.C 1681 section 602 A. States/ 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. 16818-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person know or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-10-04
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (CA)

Dear CFPB, I was told by Caliber Home Loans that during the Covid mortgage payment forbearance, that 7 months of payments that I deferred between XX/XX/XXXXand XX/XX/XXXX during the Covid pandemic on my Veterans Administration Loan with Caliber Home Loans would be put at the end of my mortgage term ofXX/XX/XXXX. It was explained to me that the 7 months of deferred payments would be added to the term ending date, so theoretically XX/XX/XXXX. I just received my loan 'Modification Terms ' from Caliber where they want to add another 25 months of payments to my loan!! My new loan modification date isXX/XX/XXXX!!!!! They lied to me and they have given me a trial period plan where my first payment due date isXX/XX/XXXX for my first mortgage payment since the deferral period that started inXX/XX/XXXX. I then make a second mortgage payment on XX/XX/XXXX which will complete the trial period before I sign my loan modification. My concern is that I need to make the payment on XX/XX/XXXXandXX/XX/XXXX which contractually is what they consider an acceptance to these new modification terms, but I will NOT accept the modification terms of ADDING ANOTHER 25 MONTHS OF MORTGAGE PAYMENTS WHEN I ONLY DEFERRED 7 PAYMENTS!!! PLEASE HELP THIS XXXX XXXX VETERAN WITH HIS VA LOAN WITH CALIBER HOME LOANS.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Transunion, XXXX, XXXX I am writing to update/correct my personal information on file with your company. 
My ONLY Address is XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX GA, XXXX Please remove all the other addresses off my report XXXX XXXX XXXX XXXX XXXX GA, XXXX XXXX XXXX XXXX XXXX GA, XXXX as they are not deliverable to me by the XXXX XXXX XXXX, and they are not reportable as per the FCRA, since they are inaccurate. 
PLEASE STOP PUTTING HE ADDRESSES BACK ON MY REPORT AS THEY ARE NOT MINE YOU ARE IN VIOLATIONS OF MY RIGHTS My name is XXXX XXXX Please remove any other aliases. 
Please remove all phone numbers. 
Sincerely, XXXX XXXX
Consumer complaint received 2023-03-28
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Finance System of Toledo, Inc. (OH)

I Have no knowledge of this account, but it is being reported on my credit report. 

Under Section 604 15 U.S. Code 1681 B, it states none of the credit bureaus have the right to report anything on my credit report. Therefore, this is in violation!
Consumer complaint received 2020-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BBVA FINANCIAL CORPORATION (NY)

I have Visa credit card with BBVA since XX/XX/2020. Never been late, always paying in full. But this company does not report my credit activity to the credit companies ( e.g. XXXX ). This is against American lows, or BBVA makes their own?
Consumer complaint received 2020-10-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

In XXXX I made a deposit through Bank of America outside ATM I was told the deposit went through and didnt think nothing much of it like Ive always done and took off with my receipt.Following day I received a notice saying my account had closed and I was no longer a customer of Bank of America I asked why there was no explanation after calling over and over getting bounced around I was told that there was some tampering with their FAULTY atm machine.I had no clue what they were talking about and I proceeded to wait that somebody will call me back once the money from the ATM machine was counted I have my receipt of deposit I made that day I also requested camera footage and somebody to call me back nobody ever did the 16 day process of closure turned into months here we are in XXXX STILL WAITING FOR THEIR SO CALLED INVESTIGATION TO TAKE PLACE YET NOBODY FROM BANK OF AMERICA HAS REACHED OUT TO ME CALLED ME OR FOLLOWED UP ON IT .I took it upon my self to reach out to senator XXXX XXXX office and congressman XXXX XXXX to let them know what Bank of America is doing to Americans during a time of covid I wont stop at this if my money is not back to me expect me to get an attorney as well as complaint has been forwarded to various agencies as is taken nearly 4 months and no answer to the mystery Bank of America claims in order to steal my hard earned money
Consumer complaint received 2020-10-04
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc. (AZ)

A couple of months ago I received an email from Comenity in reference to my Victorias Secret credit card. I needed to make a purchase by XX/XX/2020 in order for my card to remain open, since I had not used the card for some time. Since I did not have a physical card anymore, I logged into my comenity account and requested a new card via the customer service messaging system. The card never arrived after some weeks, so I went into the physical storefront to make a purchase knowing I could use my credit card without having a physical card in store ( I had done it previously ). After shopping for almost an hour, I went to check out and the store associate told me my account could not be located. After another 30 minutes with the associate calling Comenity, it turned out I could not make a purchase because Comenity was in the process of sending me a new card and I could not use my card via the store cashier. I went home and gave another week or so waiting for the alleged card they were mailing me. I finally called Comenity, and after spending an hour on hold, I was told I would be issued a new card with expedited shipping and would receive it in 3 days. It has been a week since that phone call since I gave the USPS a few extra days to send me my card, and today I received an email saying my account has been closed. I still have 20 days until my account was supposed to be closed due to inactivity per the email I received originally, with documentation on my account showing I have tried MULTIPLE times to use and replace my card, yet now I have a closure on my credit for a higher credit limit account that I have had for 10 years. I am XXXX.
Consumer complaint received 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (SC)

I was offered a settlement amount on my account in which I paid full. I requested that the company update the account ti paid and delete the account from my credit report. They refuse to do so even after the money had been taken from my account. I disputed the incorrect information on my account and instead of deleting it they added several late payments to the account and are now stating I am past due over XXXX dollars which is the remaining amount they said I would not be responsible for. As a consumer this is hurting my credit profile and they are doing this intentionally. I want this account removed from my report immediately
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 — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.
Consumer complaint received 2020-08-10
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. (AR)

This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible. XXXX XXXX XXXX {$14000.00} US DEP ED XXXX {$7100.00} XXXX XXXX XXXX {$3500.00} XXXX XXXX XXXX {$3500.00} XXXX XXXX XXXX {$13000.00} XXXX XXXX XXXX {$13000.00} XXXX XXXX XXXX {$5500.00} XXXX XXXX XXXX
Consumer complaint received 2017-05-27
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (SC)

I never received a letter from this company about a debt i supposedly owe. I receive documents about my   XXXX   bill for  XXXX . I only had one account with  XXXX . This company   XXXX   XXXX   Opened  XX/XX/XXXX  is reaging my credit debt. I only had my one account which was in  XX/XX/XXXX . This company saying i open this in  XX/XX/XXXX  of this year. you can look at my inquiries and see i never applied fo   XXXX    services in  XX/XX/XXXX  nor   XX/XX/XXXX   nor  XX/XX/XXXX .
Consumer complaint received 2020-09-26
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Neon Newco Corporation (MA)

Not knowing what to expect with PayPal prepaid I bought one for my XXXX  son and when he went to register it they asked for his dob and as SS # then PayPal refused to activate it because he was a minor I tried to have them switch it to my name and PayPal refused with out all documents requested to include my license SS card marriage certificate because my name is different on my sons birth certificate which they requested as well as his SS card and a current bill with my address on it. I have been going back and forth with them for the last 3 days since XX/XX/XXXX they keep making up XXXX excuses When I send them documents its too blurry its not original document etc. I am a XXXX VETERAN which my license states and I feel like I am more then being taking Advantage harassed and discriminated against all for a XXXX dollar prepaid card. I feel this PayPal is fraudulent and now I have to worry what they will do with my information as well as my minor sons. I want this complaint to go forward people need to be warned and this company needs to be stopped and shut down. They steal peoples money and their identities and constantly give you the run around
Consumer complaint received 2023-02-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (CA)

This refers to the news release from CFPB regarding the refund or share on the XXXX XXXX settlement by Wells Fargo. As stated, the bank says they contact directly to the consumer. I called the bank and told me they don't know a thing. I think I deserved to get paid as I have filed a complaint regarding the illegal activities of this.bank on overdraft fees ( XXXX ), which they continue to do. Not to mention that they hold the deposits if you have negative balance so they can charge you more, instead of recovering they kick you when you are down.
Consumer complaint received 2020-08-10
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HEARTLAND PAYMENT SYSTEMS INC (LA)

Two months ago, a supposed student loan from 25 years ago showed up on XXXX credit report. I had never even Heart about this loan until that time nor was I in school at that place in 1996. Yesterday, I received a notification from Heartland collection company for this fraudulent collection attempt with no information on the debt. PERIOD! This is a clear violation of the Fait Credit Act. I will be taking legal action against XXXX XXXX XXXX, Heartland, XXXX, and XXXX.
Consumer complaint received 2020-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (GA)

Comenity Bank-XXXX  Credit Card has for the last 2 years re-opened my charged off account and then closed it. Several times. All in an effort to make this already negative charge off even more damaging. I am XXXX and having extreme hardship due to Covid-19 and because of the improper activities of Comenity Bank, my ability to obtain reasonable rates for insurance and loans because of my score, has become impossible. They currently show me as being late multiple times during the last 12 months despite having a XXXX  balance according to the information supplied by them to the credit bureaus. This is a violation of my rights under the FCRA. I have attempted to dispute this to the credit bureaus but have been no help.I am trying to refinance my mortgage but this incorrect information has caused several denials because of this.