davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-31
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX  XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX & XXXX XXXX Original XXXX : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-31
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-11-29
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (VA)

Look at what they are applying to principal, and look at the historical payments. I tired a loan modification I made 3 payments on time. The loan modification they offered a new Maturity date to XXXX. They saying I Owe XXXX, I ; ve only missed 2 at XXXX has you can see I have been paying XX/XX/2019 Mortgage Payment {$950.00} XX/XX/2019 Principal Only Payment {$91.00} XX/XX/2019 Mortgage Payment {$950.00} XX/XX/2019 Mortgage Payment {$900.00} XX/XX/2019 Mortgage Payment {$950.00} XX/XX/2019 Mortgage Payment {$900.00} XX/XX/2019 Mortgage Payment {$900.00} XX/XX/2019 Mortgage Payment {$950.00} XX/XX/2019 Mortgage Payment {$950.00}
Consumer complaint received 2022-01-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

This CAPITAL ONE XXXX account is reporting derogatory information as reported in my Credit Bureaus. The first being with the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. And the second being the FCRA, which requires all reporting to be 100 % accurate. If the information is NOT 100 % accurate it must be deleted from the agencys report. The following information listed below is inaccurate. The Credit Reporting Agencies has not taken the correct steps to evaluate the information. I need you to please evaluate this reporting by making a revision of the information provided. 

CAPITAL ONE XXXX
Consumer complaint received 2022-01-31
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION (MI)

The car was totaled in an accident back in XXXX. Credit acceptance was notified and they came out and saw the vehicle. The tow yard told me this NOT credit acceptance. This is my second complaint against them because they are still calling everyday! Sometimes 2 times a day I thought that when an investigation was going on they were not supposed to be calling? I am tired of credit acceptance calling. I can not pay them. I get XXXX a month! That is to pay my rent and eat and everything else. They want XXXX. So I cant pay them and eat too. I am beside my self here. I am about to be homeless. I have bigger things to worry about than if freakin credit acceptance gets paid right now. They didnt want the car back to try to obtain whatever Value they could from it. They left it at the tow yard. The 3 places I went to get a car loan was able to PRINT A SETTLEMENT LETTER OUT WITH MY CREDIT REPORT. Per the law this is harassment/offensive and embarrassing. Thats XXXX grand right there. They took a XXXX down payment from me. That is also illegal per the USC code. They have not recorded any of the payments I made correctly on my consumer report. They can see me in court where I will win. Considering XXXX other states are suing them for the obscene interest rates. They are collecting interest while trying to collect a Debt! You can not keep an open account while trying to settle your debt! This is illegal! I want this stopped! Every phone I have received is XXXX. So I will be counting up my paycheck from credit acceptance since they want to violate laws and think consumers have no rights. We are not so stupid after all! We have a community of us that are no longer afraid to stop this garbage!
Consumer complaint received 2022-01-31
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. (NY)

The XXXX and Transunion credit reporting agency ( CRA ) is reporting inaccurate information on the listed account below. Due to their errors in reporting Im reporting these violations. The first being with the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. And the second being the FCRA, which requires all reporting to be 100 % accurate. If the information is NOT 100 % accurate it must be deleted from the agencys report. The following information listed below is inaccurate. The credit reporting agency has not taken the correct steps to evaluate the information. I need you to please evaluate this reporting by making a revision of the information provided. 

( XXXX  XXXX )
Consumer complaint received 2022-10-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OR)

My wifes wallet was stolen on XX/XX/XXXX while shopping at our local XXXX XXXX store. She called me and I immediately reported it to the the 3 banks the represented the cards in her wallet. i also reported it to the local police department and gave the credit card companies the case number. There was 1 unauthorized charge conducted on each card by the thief before the banks could put a stop on them. All 3 banks later gave us a credit. Bank of America however later reversed it. I called them and asked why and they said it looks like a mistake was made and they would have to reopen the fraud case. Then i received a letter that it was approved and i should receive a credit on my account. i waited a couple of weeks and called back and they said they didnt know why i hadnt received the credit and they would have to reopen the case again. i have called over a dozen times to get this resolved only to be transferred to another person who doesnt end up helping.
Consumer complaint received 2020-02-19
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: TD BANK US HOLDING COMPANY (LA)

I purchased a XXXX  XXXX XXXX from XXXX Grapevine in XX/XX/XXXX. Dealership could not work with my local credit union since it was in another state and secured financing through TD Auto. I refinanced the vehicle through XXXX XXXX XXXX in late XX/XX/XXXX/early XX/XX/XXXX. In the process of applying for a new mortgage, I pulled my credit report and see that TD Auto is showing a {$44.00} balance. TD Auto has been less than forthcoming and somewhat deceptive. They tell me that they have no record of quoting a 10 day payoff, but they are telling me that when they received the payoff from XXXX, it was 3 days late. XXXX has records showing the check was mailed in plenty of time, but TD Auto has been unwilling to work with me and waive the {$44.00} fee. XXXX XXXX has said that do not waive these fees. Then they said they can not. Then finally they said that they just don't want to. They have me over a barrel for {$44.00} on a {$70000.00} loan and are unwilling to work with their customer. They have also been unwilling to expedite this account updating on my credit report and unwilling to provide me with a letter showing this has been paid off. My mortgage broker wants this to show as paid off & closed on my credit report to boost my score a few points and secure me a better interest rate. I may end up paying a higher interest rate because TD Auto does not care about their customers.
Consumer complaint received 2022-01-31
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)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureauthe date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the fair credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-09-12
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: DISCOVER BANK (GA)

So there was an account that was reporting on my credit report from Discover Financial. By the time I noticed it was opened and had been used for 5 months already. the card was nearly maxed out. once i called in to report the fraud they gave me all the information and told me that it was my fault and I was liable for the debt. Even though they said the card was opened at a address I wasn't familiar with. plus the telephone number they had on file wasn't mine. The card was opened on XX/XX/2017 and till this day its still reporting negatively on my credit report. the total amount that was take was XXXX that was due to fraud. Also A XXXX XXXX account was opened in my name as well that same year and this two cards was maxed out in my name XXXX & XXXX dollars. The date opened for those cards was XX/XX/2017. I also alerted the credit bureaus as well they put a fraud alert on my credit file. But still hasn't removed the fraudulent items on my credit report. this is going on two years already. I also filed a police report and mailed those documents to the credit bureaus as well.
Consumer complaint received 2019-09-12
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

XXXX XXXX XXXX took money from my Bank of America debit account on XX/XX/XXXX for a hotel stay booked for XX/XX/XXXX. XXXX XXXX XXXX went out of business on XX/XX/XXXX and I can not recoup funds from either company. I was not notified that XXXX XXXX XXXX was closed, therefore I did not file a complaint until XX/XX/XXXX, when I returned from vacation. Bank of America stated my complaint was outside the time frame for them to issue a refund although I have told them I found out about XXXX XXXX XXXX closing on the day I started my vacation. Why would I file a complaint when I had ( at that time ) no reason to complain?
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

It is crucial to acknowledge that I did not provide authorization for these accounts, and their presence is causing me considerable distress. I kindly request that you prioritize this issue, thoroughly investigate the situation, and expeditiously eliminate these unauthorized accounts from my credit report. Your swift attention to and resolution of this matter are greatly valued.
Consumer complaint received 2022-01-31
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. (PA)

Hi, My name is XXXX XXXX. I live at XXXX XXXX XXXX XXXX PA XXXX. 
I am contracting the bureaus Experian today to have the following negative items disputed from my credit report. The negative items are impacting my score tremendously and I ask that they be deleted from my report. The items I need removed are listed in the report attached. I have notified the companies that I did not make these charges and that they are fraudulent. I reported the theft of my identity to the Federal Trade Commission and I also attached copies of the Federal trade Commissions identity theft affidavit.
Consumer complaint received 2022-01-31
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: Santander Consumer USA Holdings Inc. (FL)

Santander USA was illegally given out loans to customers like myself without proof of income. I bought the car unfortunately it was involved in a accident total loss. Insurance company paid 100 % of balance. Santander accused me of owing then {$1500.00}. I was involved in a class action national lawsuit against Santander USA and received a settlement check. However I want Santander to remove the negative information they say I owed from all three major credit companies. XXXX, XXXX and XXXX. I have hired a law firm to help remove the Santander negative information.
Consumer complaint received 2019-09-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX  caused an FTC violation on my credit reports at this point I'm not exactly sure but need to look at my credit please send a copy of most current credit report XXXX has not let me get into my accounts
Consumer complaint received 2022-10-02
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. (IL)

n accordance with the Fair Credit Reporting act XXXX Account # XXXXXXXX XXXX XXXX XXXX, and XXXX, Account # XXXX 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 2022-01-31
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. (CA)

Regardless of the multiple written requests, the account listed below is still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with EQUIFAX, XXXX, they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. 

XXXX  XXXX
Consumer complaint received 2022-01-31
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. (TN)

Experian is not cooperating with my written request of me asking for verification methods for the 3-5 bankruptcies that are still reporting on my report. These are not active bankruptcies and my other derogatory accounts are apparently unverifiable as well. Experian also has only responded with verification generic responses. I have not received any response from the courthouse nor other creditors with their assistance. I have been writing Experian since XX/XX/2021 about these derogatory accounts and their reporting errors and they have yet to provide me with any proof of validation and verification. Therefore I'm asking for assistance from CFPB with this matter.
Consumer complaint received 2022-01-31
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Amsher Collection Services, Inc. (CO)

I terminated my account with XXXX XX/XX/2021. I paid off phones and then changed carriers. I then was provided XXXX shipping labels by XXXX  for two signal boosters and one warranty issued phone. I sent back the three items with the shipping labels provided. All tracking numbers sow that the equipment was received by XXXX and signed off by a XXXX employee when it was received. Despite this fact and my providing these tracking numbers to XXXX they continued to try to collect the debt which was not owed in the amount of {$690.00}. After 10 plus calls and 15 hours on the phone with off shore XXXX employees I could never get them to admit they received the equipment and that their employees either lost or stole the items. I was told that they were opening an investigation or that they were escalating it to a manger. Nothing ever changed. They then sent my account to a collections agency by the name of Amsher Collection Services. I disputed the claim with Amsher Collection Services but they said that XXXX verified the account. An Amsher Representative told me that as long as I paid something like installments on the debt that it would not be reported to my credit. Come to find out that they lied and it was reported to my credit. This was not a valid debt and the proof provided to both XXXX an Amsher clearly show this is not a true debt. The both received the copies of the XXXX tracking numbers that show the equipment was received. They are both in violation of state and federal law for attempting to collect an invalid debt, threatening credit reporting and misinformation. They have destroyed my credit by reporting a false debt.
Consumer complaint received 2023-02-11
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)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$740.00} XXXX  XXXX Balance : {$1000.00} XXXX XXXX XXXX ( Original Creditor XXXX XXXX ) XXXX Balance : {$1200.00} XXXX XXXX Balance : {$1200.00}
Consumer complaint received 2015-08-10
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP (OR)

Hello FDIC Consumer Protection : US Bank XXXX California called me last XXXX XXXX 2015 ; US Department of Treasury contacted XXXX as U.S. Department of Treasury - grant money transferred to US Bank in California then they told me pay {$500.00} for safe deposit fee ( scam or not scam ) so please investigation to make sure if no scam or scam letting me know and let my sister XXXX XXXX knows at Please FDIC calls XXXX at XXXX voice about US Bank of California and US Department of Treasury makes sure - if there no scam, please sister helps with me through this grant account XXXX.
Consumer complaint received 2022-10-02
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)

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 XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX : # 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 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.