davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-08
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. (OH)

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 Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

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 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (WV)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2023-07-08
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Exeter Finance, LLC. (AR)

XX/XX/2019 I made a consumer credit transaction with auto dealership XXXX XXXX I received a finance charge of {$74000.00} and amount finance {$9600.00} I was Financed through company by the name Exeter finance. According to the Truth in Lending pursuant to 15 USC 1605 determination of the finance charged Except as otherwise provided in this section the amount of the finance charge in connection with any consumer credit transaction SHALL be determined the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge does not include charges of a type payable in a comparable cash transaction. XXXX XXXXExeter Finance made me pay {$1000.00} for a downpayment. The Finance Charge is the sum of all charges their wasn't supposed to be a cash downpayment. The finance charge also includes my insurance pursuant to 15 USC 1605 The finance charge is the sum of all charges and also includes premium ( insurance ) XXXX XXXXExeter Finance made me get my own insurance. Pursuant 15 USC 1635 The Right of Recession disclosure was not disclosed nor in the agreement. Pursuant 15 USC 1601 Congressional and declaration of purpose. It is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit, and to protect the consumer against inaccurate and unfair credit billing and credit card practices. XXXX XXXX /Exeter Finance are in violation of the Truth and Lending Act by willfully and knowingly not disclosing this information and i hold them liable for not disclosing this information to pursuant to 15 USC 1611 and pursuant to 15 USC ! 640 I have exhibits showing their noncompliance in the agreement.
Consumer complaint received 2022-12-27
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. (GA)

I have a Bankruptcy report on my credit report. I'm reaching out for assistance to REMOVE these Bankruptcy report from my credit report immediately. 

I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Consumer complaint received 2022-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (CO)

my XXXX was filed XX/XX/2015. It's past 7 years now. this derogatory acct needs to be removed immediately. this has been removed off XXXX. I also have 6 fraudulent inquiries that I have been disputing since XXXX have NEVER had this many issues with any other credit reporting company. I would like this to be escalated.
Consumer complaint received 2022-12-27
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. (OH)

I have a Bankruptcy report on my credit report. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I'm reaching out for assistance to REMOVE these Bankruptcy report from my credit report immediately.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned about : 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 2024-02-28
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: Experian Information Solutions Inc. (GA)

I am writing to formally dispute an inquiry listed on my credit report. Upon reviewing my report, I noticed an inquiry that I do not recall authorizing. I have attached copies of the relevant documents for your reference. 

Considering I have no recollection of authorizing this inquiry, I am concerned that it could potentially be fraudulent. As such, I request that you promptly investigate this matter and remove the inquiry from my credit report immediately. 

Please provide me with an update on the status of this dispute once your investigation is complete. You can reach me at the contact information provided above. 

Thank you for your attention to this matter.
Consumer complaint received 2023-03-01
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. (NY)

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 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 2020-04-22
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: Experian Information Solutions Inc. (PA)

XXXX XXXX XXXX  continue to furnish information on the report. Continue to request documentation, however, the company failed to comply according to FCRA, IF company failed to verify request please remove tradeline off the credit report.
Consumer complaint received 2020-08-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: PNC Bank N.A. (IL)

PNC bank is unable to send money to XXXX  online trading. 
I have been tring from XXXX XXXX I have been trying to send a total of {$1500.00} I have tried lower denominations but the back account will not link.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

It is crucial to note that I did not give permission for these accounts, and their presence is causing me substantial distress. I kindly request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your prompt attention to and resolution of this matter are sincerely appreciated.
Consumer complaint received 2023-01-09
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. (NV)

I submitted this complaint to update this suspicious information. Credit Bureau must validate this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against XXXX XXXXBalance : {$240.00}.
Consumer complaint received 2023-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I had three cd accounts that I paid and full and close but I dont see anything showing that I did it still showing as opened on XXXX XXXX  and on XXXX. Can you verified it and update it and send me a updated report for me to confirm
Consumer complaint received 2023-07-08
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (VA)

Subject : Unfair and Possibly Illegal Treatment at Check Cashing Establishment Dear Sir/Madam, I am writing to file a formal complaint regarding an incident that occurred at a check cashing establishment, namely ACE Cash Express XXXX located at XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX 

On XX/XX/2023, I, XXXX XXXX, was subjected to what I believe to be unethical, potentially illegal treatment by the staff of this establishment. Initially, I called the store to inquire about their check cashing fees, and I was told that this information could only be disclosed in person, a protocol which I found non-transparent and unreasonably burdensome. 

Upon my visit to the store, I was made to undergo a lengthy, cumbersome application process. After investing significant time in this process, I was then informed that they could not cash my check due to a box that was checked in the endorsement section. 

The check in question is a government-issued XXXX refund, endorsed correctly with my signature. The staff erroneously stated that the checked box indicated it was not eligible for cashing. However, according to legal regulations, such a restriction is only applicable if the endorsement also includes for mobile deposit only, which my check did not. 

When I asked to view the policy in writing that justified their decision, not only was I denied, but I was also subjected to inappropriate and disrespectful language from their staff, behavior which I find entirely unprofessional and uncalled for. 

I strongly believe that this behavior, coupled with the seemingly dishonest practices I encountered, warrants an immediate investigation by an external body. I understand that the CFPB has the mandate to protect consumers like myself from such unfair, deceptive, or abusive practices, and hence, I seek your intervention in this matter. 

It is my hope that, with your help, we can ensure that the practices at this check cashing establishment are fair, transparent, and in line with the law, to prevent other consumers from experiencing such ill treatment. 

I look forward to your prompt attention to this matter. I am more than willing to cooperate in any investigation and can provide any additional information needed. You can reach me at ( XXXX ) XXXX. 

Yours sincerely, XXXX XXXX
Consumer complaint received 2023-10-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (CA)

My student loans are held by Nelnet. At the beginning of XXXX I applied for the SAVE plan. I received confirmation that they received my applciation and later they requested my pay stubs. I've sent them all the documents they requested in XXXX and have not heard back. My payments ar supposed to start in XXXX and I have yet to receive a statement.
Consumer complaint received 2023-01-08
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I had XXXX fraud claims. XXXX for an unauthorized money transfer for XXXX. This was due to a fraudulent text saying I was locked out of my XXXX account. This issue was resolved in my favor. The same person who took my money the first time took XXXX out of my account XXXX weeks later. I filed a claim, changed my entire email, passwords. My claim was denied. Theres even an unauthorized number set up for alerts to further prove XXXX innocent. I also have the fraudulent text. I will attach several phone numbers listed under my alerts from both claims that do not belong to me. Furthermore, Bank of Americas XXXX site link to change alert phone numbers is invalid.I dont understand how they same information applies but Bank of America XXXX this claim.
Consumer complaint received 2022-01-31
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AmWest Funding Corp. (CA)

I am an XXXX man. Im also a XXXX XXXX homeowner who was termeritous, foolish enough to present my own home to 30 year veteran, XXXX male appraiser, XXXX XXXX XXXX, of XXXX & XXXX XXXX ( XXXX  XXXX # : XXXX ) thinking hed fairly and diligently evaluate my property. He was hired via XXXX XXXX XXXX XXXX XXXX, an XXXX-owned appraisal management company located in XXXX, CA, who was secured as the AMC for AMWEST FUNDING CORP , the lender. In pursuing a modest Cash-out refinance of my home, the appraisal conducted XX/XX/XXXX, returned on XX/XX/XXXX gobsmackingly $ XXXX under the expected valuation. My house, located in XXXX XXXX, is a custom-made, XXXX, XXXX square foot, beautiful XXXX XXXX style home in good shape ; most people consider it to be the best house on the cul-de-sac ; the crowning jewel at the very top of our hill. On XX/XX/XXXX ( just 2 months prior ) a neighboring home XXXX doors down is a XXXX sq ft, XXXX XXXX bth house XXXX remodeled in XXXX to emulate mine ; it sold for $ XXXX. Somehow XXXX appraised my, again XXXX sq ft, substantively larger by XXXX sq feet, luxury home at just $ XXXX, literally $ XXXX LESS than a similar quality, smaller house, with nearly no amenities ( no hot tub or pool, garden, XXXX views, fireplaces, etc ) and the jokes on me, because the lender had me pay for it! 
In searching for a 2nd appraisal yesterday, I happened to find and spoke with a XXXX star XXXX reviewed XXXX veteran XXXX, who gave a careful and detailed examination of the XXXX appraisal and after XXXX XXXX minutes of going through the document, he called this appraisal " Criminal '', " packed with errors '', and he further explained that my house can not come in lower than $ XXXX ( on the low end ) due to recent sales ( particularly the home XXXX doors down on the same block ), very obvious missing adjustments, and guided me towards filing a formal complaint against the lender 's appraiser at the California Bureau of XXXX XXXX XXXX XXXX XXXX XXXX. This debacle is costing me time, mental anguish, and his appraisal is not just a libelous insult, it would take over $ XXXX off of my Cash out refinance and be undeniably financially damaging to my net worth. It is my contention that Zhangs appraisal is out of compliance with Uniform Standards of Professional Appraisal Practice ( USPAP ) Standards Rule XXXX which states, When a sales comparison approach is necessary for credible assignment results, an appraiser must analyze such comparable sales data as are available to indicate a value conclusion. '' I have written a detailed report which lays out why XXXX XXXX appraisal is not only in violation of the USPAP, and Fair Housing laws, but that his entire report is completely indefensible and should have immediately been rejected by the lender. I will enunciate on how he is a promulgation of a systemic XXXX system which is growing in saliency robbing XXXX American homeowners like myself from our duly earned wealth.
Consumer complaint received 2023-10-10
Product: Vehicle loan or lease — Lease
Issue: Improper use of your report — Reporting company used your report improperly
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (HI)

Im not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The XXXX, XXXX and XXXX Credit Bureau is reporting inaccurate information on USAA FSB. This status is damaging to my report, which would not be happening if the bureaus investigated properly before posting incorrect information. Per FCRA, Reporting must be 100 % accurate. Here is the list of the erroneous account reporting on my Credit report. USAA FSB XXXX
Consumer complaint received 2023-10-10
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (TX)

I made a payment to LEXUS PURSUITS VISA BY COMENITY BANK ON XX/XX/XXXX USING XXXX  XXXX XXXX electronic payment system. XXXX XXXXXXXX XXXX has confirmation number, transaction number and a debit number where Lexus Pursuits visa by Comenity Bank received. As of XXXX XXXX, Comeity bank says they do not have my payment and I am being charged late fees and interest on the payment. 
I had a conference call on XX/XX/XXXX with XXXX  XXXX XXXX, Comenity bank Rep and the rep went round and round. XXXX  XXXX XXXX states that Comenity bank refused my payment and returned. In Conferrence call XXXX  XXXX XXXX offered to send documentation where it was paid with all the confrimation transactions numbers but the comenity rep refused to take. His response was why do I need this info since you say payment was refused. Comenity is charging me late fees and interest now since they say I did not make any payment yet payment was made and refused and they Do NOT Want and documentation from XXXX  XXXX XXXX showing they were paid. The issue is comenity can offer no reason why payment was refused. I no longer have {$1000.00} that I have paid in my bank or on the comenity credit card. Someone in the Bank has STOLEN my money and with the low level and belligerent reponses with the oversea CSR something illegal is going on
Consumer complaint received 2024-02-08
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. (NJ)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 : UNKNOWN Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Consumer complaint received 2024-02-28
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)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, # 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.
Consumer complaint received 2023-01-08
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: U.S. BANCORP (WI)

Prior to filing XXXX XXXX bankruptcy in XXXX the mortage servicer ( US BANK ) reported accurate information to the credit bureaus. 
After XXXX XXXX bankruptcy was discharged successfully at the end of XXXX, the mortgage servicer does not report to any credit bureau. 
Contacted credit bureaus, advised to contact servicer. 
Contacted mortgage servicer, who claimed they won't report anything to credit bureaus ever.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I have an account on my credit report that is recording late payments. All 3 bureaus are reporting late payments in different months. I have never been late and the fact that they are all reporting in different months proves there is a problem. i know that they are supposed to report with 100 % accuracy and they are not. I have never been late on any of my accounts. This is really hurting my credit and it's not correct.