davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-07
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: General Motors Financial Company, Inc. (NY)

I opened this account on XX/XX/XXXX financing {$26000.00} for 72 months paying {$520.00} a month. I am currently on payment number XXXX with an outstanding balance of {$19000.00}. If I did my math correctly I have already paid {$22000.00} on this loan. It is impossible for this institution to say that I still owe {$19000.00}. The maturity date of this loan is XX/XX/XXXX. I feel that I am being scammed out of my money with this institution and I am having problems paying this bill every month. I have paid late so I can not refinance which I was told that I could do when I signed for this loan, I was told I could refinance in six months but when I went to refinance they denied me. I do not know what to do I have paid over {$20000.00} to this company and I feel that I should not owe {$19000.00}. They are saying that in almost a five-year timeframe I only paid {$7000.00}. This company is a fraud and something needs to be done about it. I should almost be finished paying off this car note and it looks like I am underwater for around {$15000.00}. I have XXXX children in college and also battling XXXX XXXX XXXX XXXX. I believe that something needs to be done about this account and this company who is giving out bad loans. I am going to fight this matter to the end.
Consumer complaint received 2020-01-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (NE)

US Bank .... They cashed my check on XX/XX/XXXX, they are stateing I have not made a payment and charging me a late fee. I have tried numerous times to discuss this with them to no avail. They call several times a day, send emails basically telling me I'm destitute. I have made a payment they cashed the check and I am taking offense. They will also send this information to the credit bureau damaging my credit.
Consumer complaint received 2020-01-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

On XX/XX/XXXX approximately XXXX I spoke with capital one about release my credit line. They stated they could not because the funds were pending. I merged a call between capital one and XXXX bank. Capital one states that XXXX bank has the account pending and they are the ones that needs to release the funds. XXXX bank stated the funds were debited from my account and they are waiting for the merchant to close out the account on their end so the funds can process. Capital one stated that it was not in the policy to recieve the funds until.XXXX bank clears the funds. After the back and forth. Capital one started to say XXXX bank is not making sense because XXXX bank has to say the funds are cleared. The back and forth went on for over a hour because Capital one said it takes 7days to verify the funds are cleared. XXXX bank continued to declare that the funds are debited but again the merchant must close out the transaction so the funds can be received on their end. Capital one is a disreputable company due to the fact that the credit cant clear but the balance on the account was cleared bring my balance down to an {$7.00}?? interest fee that posted XX/XX/XXXX after the balance in full payment was posted to the account on XX/XX/XXXX. What I dont understand is capital one is saying they cant prematurely release no credit until the payment clears in 7 days but yet the funds were sufficient enough to clear the balance in full owed on the account. I find capital one employees disgusting in the way they represent capital one with misleading information. Honesty and transparency was not maintained on this 1hr.5min call.
Consumer complaint received 2020-01-05
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Corp Solutions Inc. (TX)

I would like to report violation to validate debt while keep calling and start engaging 3rd party collector for the same debt. 

What happen : Sometime XXXX XXXX, I have received later from debt collector " Credit Corp Solutions , Inc., XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, UT XXXX, XXXX Regarding alleged debt : Original Credit : XXXX  Original Account : XXXX Current Creditor : Credit Corp Solutions Balance Outstanding : {$1200.00} Reference Number : XXXX Consumer responded to debt collector Pre-Legal Notice letter from XX/XX/XXXX in referenced to : XXXX with request to validate debt as of XX/XX/XXXX. Request for validation is sent via certified mail and as of XX/XX/XXXX, Credit Corp Solution have received my request. 

As of today, XX/XX/XXXX, I have not received validation of debt while collector started engaging XXXX part collector to represent them. Debt Collect ( Credit Corp Solutions ) employing another 3rd part collector ( XXXX XXXX XXXX XXXX ) to collect on Credit Corp Solution behalf while my original request for validation has never been answered. 

On XX/XX/XXXX, I received letter from XXXX XXXX XXXX XXXX stating that they represent Credit Corp Solutions Inc. in connection with the above stated account. I do not intent to engage with XXXX XXXX XXXX to discuss this matter while my original request for validation is not answers. 

While this case is been submitted I intent to contact the FTC, State 's attorney general and national XXXX and file complaint. 

Please see attached received latter and my request for validation. 
Pre-Legal Notice from Credit Corp Solutions Inc . 
Request for Validation Certified Mail Confirmation 3rd Party Collector Letter ( XXXX XXXX XXXX XXXX ) Thank you
Consumer complaint received 2022-05-04
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 REPORTER ACT CONVERSION ACCOUNT NUMBER XXXX XXXX  ACCOUNT # XXXX HAS VIOLATED MY RIGHTS 15 U.S.C. 1681 SECTION 602 A STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C. 1681 SECTION 604 A SECTION 2 I ALSO STATE A CONSUMER REPORTING AGENCY CAN NOT FURNISH YOUR ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2022-12-20
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. (CA)

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 

XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXXXXXXXXXX Balance : XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX
Consumer complaint received 2019-02-13
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 — Their investigation did not fix an error on your report
Company: Exeter Finance, LLC. (WI)

Exeter Finance has granted deferred payments on this account and they say that they didn't process the paper work on time so that made it late. They say that they record phone calls so the proof will be there that we were never late on this account and yet they refuse to fix it and they will not let consumers talk to the credit department personally.
Consumer complaint received 2023-03-07
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. (FL)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX, FL XXXX XX/XX/XXXX ; XXXX  XXXX Balance : {$3800.00} ; XXXX XXXX Balance : {$13000.00} ; XXXX XXXX XXXX Balance : {$110.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXXXXXX XXXX  ) XXXX Balance : {$1300.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$990.00} ; XXXX XXXXXXXX Balance : {$1400.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : 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 XX/XX/XXXX.
Consumer complaint received 2023-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

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

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

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

XXXX  XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX XXXX ( A.K.A. XXXX ) account # XXXX XXXX XXXX XXXX XXXX account # XXXX, XXXX, XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX XXXX  XXXX XXXX XXXX account # XXXX & XXXX
Consumer complaint received 2020-01-07
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (CA)

In XX/XX/2019 purchased socks for {$12.00} from XXXX 's using my XXXX 's credit card to get a discount. In XXXX I paid the bill, so I thought, through XXXX XXXX on line bill pay service that I signed up for years ago, and linked it to my checking account. I had been a XXXX XXXX customer for 28 years. In XX/XX/2019 I found out that the {$12.00} bill had not been paid and was now {$16.00} and so I paid the bill directly. I saw a notice from XXXX XXXX later that the checking account linked to the online bill pay service was closed. I then remembered I closed that my checking account and opened a new one for fraud protection sometine over the past 18 months and forgot to change the link to the new account on the XXXX XXXX online bill pay service. Since I typically paid my XXXX XXXX  bill through my XXXX XXXX XXXX XXXX Bill Pay system or directly, bi-passing the XXXX XXXX bill pay service, I did not recognize the earlier notice XXXX XXXX sent about the checking account problem as XXXX XXXX sends out hundreds of promotional and advertising emails all year long. During a review of my credit report in XXXX, I noticed that my credit score had dropped from XXXX to XXXX in XX/XX/2019, a direct result of the inadvertent late payment of {$12.00}. XXXXXXXX XXXX treated me very poorly and condecendingly, when I tried to expalin what happened consistently telling me it was my fault for not paying my bills on time. I am being punished for 7 years based on a {$12.00} honest mistake after being a good and loyal customer for 28 years. The laws and rules governing these kinds of disproportionatly puniative credit measures must be changed. I closed my XXXX '' XXXX account because of their treatment.
Consumer complaint received 2019-12-30
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. (CA)

XXXX XXXX is trying to collect on an unknown debt for XXXX XXXX XXXX in the amount of {$450.00} dated XX/XX/2018. I have contacted them and the credit bureaus directly. No one has provided an original signed contract or any identifying documents such as my ID since the multiple requests. They want my information, rather than proving this unknown debt to me. Furthermore, who calculated the debt and how it was calculated. The credit bureaus response is to contact the collection agency, rather than investigating, they toss the issue back to the collection agency who then continues to report erroneous information.
Consumer complaint received 2022-12-26
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. (KS)

As required by law, XXXX is to fully investigate disputes and provide proof of their investigation method. This has been requested on multiple occasions. On XXXX/XXXX/2022, XXXX " verified '' the alleged debt with XXXX XXXX XXXX XXXX. The debt with XXXX is listed as " charge off '' but XXXX has failed to EVER provide me with a 1099 for that charge-off and is therefore in violation of federal law by " verifying the debt '' and XXXX is in violation of federal law by " verifying the debt '' or not completing the investigation in full as required. 

I demand that the XXXX alleged debt account be removed permanently from my credit report.
Consumer complaint received 2022-12-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (MD)

Due to XXXX I was not employed but I have payed the credit card back in full. This credit card should not be reporting as charged off as this credit card is closed and payed in full. The CARES Act. The Act requires lenders to report to credit bureaus that consumers are current on their loans if consumers have sought relief from their lenders due to the pandemic.
Consumer complaint received 2022-12-26
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. (KS)

As required by law, XXXX is to fully investigate disputes and provide proof of their investigation method. This has been requested on multiple occasions. On XX/XX//2022, XXXX " verified '' the alleged debt with XXXX XXXX XXXX XXXX. The debt with XXXX is listed as " charge off '' but XXXX has failed to EVER provide me with a 1099 for that charge-off and is therefore in violation of federal law by " verifying the debt '' and XXXX is in violation of federal law by " verifying the debt '' or not completing the investigation in full as required. 

I demand that the XXXX alleged debt account be removed permanently from my credit report.
Consumer complaint received 2020-01-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Paypal Holdings, Inc (VA)

XXXX back sent bill that was paid in full to collection I requested a full pay history to dat no word pal had the and or have the information but refused to provide it but the record they receive the last payment XXXX XXXX but refuse to send full record
Consumer complaint received 2022-12-26
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. (KS)

As required by law, TransUnion is to fully investigate disputes and provide proof of their investigation method. This has been requested on multiple occasions. On XX/XX/2022, TransUnion " verified '' the alleged debt with XXXX XXXX XXXX XXXX. The debt with XXXX is listed as " charge off '' but XXXX has failed to EVER provide me with a XXXX for that charge-off and is therefore in violation of federal law by " verifying the debt '' and TransUnion is in violation of federal law by " verifying the debt '' or not completing the investigation in full as required. 

I demand that the XXXX alleged debt account be removed permanently from my credit report.
Consumer complaint received 2022-12-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (FL)

I have asked the credit bureau to do a verification on my credit report. They did it and stated everything were accurate on them. However, i did a thorough research myself and find improper inaccuracies on my credit report even tough after they did, their verification. 
In accordance with the Fair Credit Reporting act XXXX  account # XXXX account # XXXX and account # XXXX, has violated my right. 

15 U.S.C 1681 602 A stated 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 an account without my written instructions.
Consumer complaint received 2022-12-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have asked the credit bureau to do a verification on my credit report. They did it and stated everything were accurate on them. However, i did a thorough research myself and find improper inaccuracies on my credit report even tough after they did, their verification. 
In accordance with the Fair Credit Reporting act XXXX  account # XXXX account # XXXX and account # XXXX, has violated my right. 

15 U.S.C 1681 602 A stated 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 an account without my written instructions.
Consumer complaint received 2022-12-26
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. (GA)

I am invoking my specified remedy as the original creditor and the consumer. I have attempted to resolve this matter with Transunion by disputing incomplete/inaccurate information. Proof of this dispute can be found via USPS Certified Mail - Tracking # XXXX
Consumer complaint received 2023-03-05
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX Attn : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Utah XXXX To whom it XXXX concern : In accordance with the fair credit reporting act this creditor has violated my rights under 15 usc 1681 under section 602 states I have the right to privacy, 15 usc 1681 section 604a section 2 also states that a consumer reporting agency can not furnish an account without my written instructions and lastly under 15 usc 1666b a creditor my not treat a payment on a credit card account under an open end consumer credit as late for any purpose. Because Capital one account number ending in XXXX Has violated my right with the fair credit report act Im looking for my late payment history to be deleted, which includes the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and lastly XX/XX/XXXX.
Consumer complaint received 2020-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

Fraudulent activity : repossession occurrenceXX/XX/XXXX never reported to minimize being reviewed for the companies poor credit practices. Account closed due to repossessionXX/XX/XXXX with fraudulent late payments of 120 day lates reporting forXX/XX/XXXX thru XX/XX/XXXX. Fraudulently reporting a repossessed closed account from XX/XX/XXXX as an open installment as of XX/XX/XXXX.
Consumer complaint received 2022-12-26
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. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 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. 

FTC REPORT # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX