davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OH)

I have unknown names and information on my credit report, The accounts that are unknown to me I will list them below, I have inaccurate employment information its keeping me from getting a job and housing. The utilization amounts are incorrect. I would like a review of this information because items are unknown to me. 
XXXX XXXX XXXX, XXXX, OHXXXX XXXX, XXXX, OHXXXX, XXXX, OHXXXX XXXX, XXXX, OHXXXX XXXX, XXXX, OH XXXX, XXXX, OHXXXX XXXX, XXXX, OH XXXX, XXXX, Oh XXXX, XXXX, Oh XXXX, XXXX, OH XXXX, XXXX, OHXXXX XXXX, XXXX, OH XXXX, XXXX, XXXX, XXXX, OH Unknown TelephoneNumbersReported : ( 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 XXXXviaXXXX   XXXX Partial Acct # XXXX XXXX XXXX partial Acct # XXXX XXXX XXXX XXXX Partial Acct XXXX XXXX
Consumer complaint received 2023-08-23
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: HYUNDAI CAPITAL AMERICA (WI)

My car was repossessed on XX/XX/2023 without prior notice. According to Wisconsin state law, the lender is required to provide a 15 day notice prior to repossessing the vehicle. Hyundai Motor Finance did not provide a 15 day notice. My car was also damaged during the repo process. I filed bankruptcy, but the case has since been dismissed. Theyre threatening to repossess once again, but I have received no 15 day notice once again or anything in writing.
Consumer complaint received 2022-10-16
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, Experian is allowing XXXX XXXX acting as debt collectors leave remarks on my individual report without my consent. 

Pursuant to 15 USC 1681a ( 2 ) ( i ) The term consumer report does not include- report containing information solely as to transactions or experiences between the consumer and the person making the report. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-30
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: NAVY FEDERAL CREDIT UNION (NJ)

Sometime in XX/XX/2022, someone fraudulantly opened up Checking, Savings and Money Market accounts with Navy Federal Credit Union under my name. 
They even overdrew {$6600.00} from the checking account by depositing {$11000.00} and withdrawing {$18000.00}. 
When I received the " Welcome '' package from Navy Federal Credit Union on XX/XX/2022, I contacted and reported this as fraud to NFCU 's security department. 
They have advised me that I will receive a mail in 15 days to update the status of the investigation. 
As of today, I have not received any mail from NFCU 's security department. I keep receiving bills from their collection department for me to pay the overdrawn amount of {$6600.00}. 
I tried calling various times to find out the status of my claim however their wait time is about two hours that is if the phone does not disconnect by itself while holding.

My main concern is the credit union 's collection department reporting to credit bureaus for non-payment of the overdrawn amount and damage my good credit history. 
Attached please see the relevant documents. 
I would appreciate if CFPB can help or assist me in this matter. 
Thank You,
Consumer complaint received 2019-12-01
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Mid-Atlantic Finance Co., Inc. (TX)

In XX/XX/2019, I filed a complaint against Mid Atlantic Finance with CFPB. Since filing the complaint, we have not been able to communicate with anyone regarding the details of our account. Per XXXX XXXX, no one is able to speak with us, except for a specific department because we filed the complaint. When we call, we are placed on hold for extended periods of time with no response. In XX/XX/2019, I emailed Ms. XXXX   documentation requesting an extension due to financial difficulties. Ms. XXXX stated we would get a call back within one week. I have made numerous attempts to call, only to hold for extended periods and the phone call be dropped.

Mid Atlantic Finance has incorrectly charged off our account. We want to pay the account ; however, we are requesting modifications to the loan. We are requesting a loan modification due to financial difficulties with my son and my husband. Mid Atlantic is not our original lien holder. Our account was sold to them without our prior knowledge.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

As per the Fair Credit Reporting Act, the account XXXX  XXXX  has violated my constitutionally safeguarded consumer rights to privacy and confidentiality as outlined in the Fair Credit Reporting Act and 15 U.S.Code 1681. 

I contacted Transunion and XXXX to initiate a reinvestigation of these accounts : Account name : XXXX XXXX, Account # XXXX. Nevertheless, they affirmed that everything was complete, accurate and updated. How is that possible if the high balance, date reported, date opened, account rating, account status, creditor remarks, payment history are all inaccurate and incomplete? 

As per the provisions according to 15 USC 1681, Procedure in case of disputed accuracy ( XXXX ) ( A ) ( i ) If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

According to 15 U.S.C. 1681s-2 ( A ) ( 1 ), it is prohibited for an individual to provide any consumer-related information to a consumer reporting agency if they are aware or have reasonable grounds to believe that the information is incorrect.As per the Fair Credit Reporting Act. The account XXXX XXXX has violated my constitutionally safeguarded consumer rights to privacy and confidentiality as outlined in the Fair Credit Reporting Act and 15 U.S.Code 1681.
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (IL)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2023-11-29
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. (GA)

The Fair Credit Reporting Act ( FCRA ) is all about making sure credit reporting is fair and accurate. When there are violations under the FCRA, it messes up the banking system, which relies on accurate credit reports. Unfair credit reporting can also shake people 's trust in the system. So, if any of my accounts get reported without my permission, that's basically identity theft, and it's a breach of my privacy since I should have control over what's listed. Luckily, there are laws like 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2 that protect me. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for accounts listed without my expressed written consent. These accounts are not related to any transactions made by me, the consumer.
Consumer complaint received 2024-03-14
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. (GA)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My XXXX who's XXXX XXXXXXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX - XXXX
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

Without fail, I've maintained timely payments on this account, ensuring they never lapse into overdue status. I'm puzzled by the reports of late payment remarks on my accounts. In accordance with 15 USC 1666b - Billing Error, corrections ought to be made.
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-12-01
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Westlake Services, LLC (OH)

I did not receive the appropriate information about the debt the amount is more than what's owe and also the original creditor and the person it was sold to are both reporting which is a violation XXXX has honor finance and XXXX has XXXX XXXX   XXXX XXXX amount of XXXX dates reporting XX/XX/2018 for XXXX and XX/XX/2018 for XXXX there are many inconsistencies for these two and I've tried to get it resolved with no luck these two should be deleted for the fact things aren't adding up and also inconsistencies
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX XXXXAccount # XXXX Account Name XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX Account # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX-Account # XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX-Account # XXXX Account Name : XXXX XXXX XXXX-Account # XXXX* Account Name : XXXX XXXXAccount # 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 and other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-08-23
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Westlake Services, LLC (MD)

I had a traffic accident, the finance company took my vehicle It has been more than a month and a half and you have not allowed the insurer to assess the damage to the vehicle. even so, the financing company continues to charge me the monthly installments, I have never been late in my payments
Consumer complaint received 2019-12-01
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: AMERICAN EXPRESS COMPANY (TX)

A company by the name of XXXX XXXX XXXX  charged my credit card in the amount of XXXX in XX/XX/XXXX and its been since then and no resolution.
Consumer complaint received 2019-12-01
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: V and H Portfolio (OH)

I did not receive the appropriate information about the debt the amount is more than what's owe and also the original creditor and the person it was sold to are both reporting which is a violation XXXX has XXXX XXXX and XXXX has Vance and Huffman llc amount of XXXX dates reporting XX/XX/2018 for XXXX and XX/XX/2018 for XXXX  there are many inconsistencies for these two and I've tried to get it resolved with no luck these two should be deleted for the fact things aren't adding up and also inconsistencies
Consumer complaint received 2022-04-19
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX  Account # XXXX XXXX XXXXXXXX, XXXX - XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, and XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-05-07
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. (MI)

I cosigned for my son to purchase a vehicle XXXX years ago. Recently he has been behind on his payments because he relocated and was homeless for 4 months. As a result, he and his family lived in hotels while he worked during the day. I am currently in the process of turning in a lease vehicle and attempting to buy another vehicle for work of course. The company XXXX XXXX XXXX provided me as the cosigner on a car loan. XXXX  has reported the late payment on my credit report, lowering my credit from XXXX to XXXX, which is making it nearly impossible to me to purchase a vehicle. I received the notice of collections on XX/XX/2023.
Consumer complaint received 2022-09-30
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: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

On XX/XX/2022, I was notified of a hard inquiry on my credit report from Bank of America that I did not initiate. I called XXXX and notified them of this on XX/XX/2022. XXXX placed a Fraud Alert on my account. I have also called Bank of America to let them know that this was not me and to make sure that the credit card account is not opened.
Consumer complaint received 2023-06-23
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. (VA)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX has violated 15 U.S.C 1691 section 602 A. States I have the right to privacy 15 U.S.C 1691 section 604 A Section 2 It also states consumer reporting agency can not furnish a without my written instructions
Consumer complaint received 2019-12-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (NY)

I was not receiving my statement via email, despite requesting, as a result I was not notified when my payment was due and paid my credit card balance 1 day late. Then I tried to have the fee reversed and the credit card company refused, I then was charged another fee. They will not stop charging me fees! I now have {$53.00} of fees on a 1 day late balance of {$2.00}. It continues to grow.
Consumer complaint received 2022-09-30
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION (MD)

Truist took {$2500.00} from our checking account, which created a negative balance. Truist then charged us three different overdraft fees. We started a fraud claim because we thought the withdrawal was fraudulent. We spoke with three different people and one of them researched the withdrawal and figured out that it was someone at Truist. They tried to XXXX that person but they were unavailable. The person who was helping us then went on vacation. The next person we talked to told us it was a force payment on our equity line. There is no credit to the equity line and no reason for a force payment ( we pay down our equity line every month and have since it was opened ). We have since tried to get others at Truist to fix the problem with no success.
Consumer complaint received 2019-12-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (NY)

On XX/XX/2019 I made a change to my automatic payment process. This change was done online with my mortgage holder Freedom Mortgage on their website. The change was to draft from a different bank account as the current one they were drafting from was from a credit union that was going through a merger and would no longer exists so the account was going to be closed. They continued to draft from a closed account three more times adding NSF fee to my account on every failed attempt. ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) Each attempt added a {$20.00} fee. Over a 4 week time period I had called the company on three different occasions to try and straighten things out. In the meantime they did not continue with the bi-weekly auto payments out of the new account. They added a {$19.00} late fee. I believe after the third phone call they did remove two of the NSF fee and the late fee but somewhere along the line they added another NSF fee making a total of four on my account but removing two. Today 's date is XX/XX/19. They have not gotten back to me regarding any of my complaints. Anytime I get an answer is when I call them again and again, usually because they are closed. I am in the process of refinancing and should be closing in the next couple days. I believe because of this they are in no hurry to address the problem hoping it will just go away. I had also requested to have my PMI removed on XX/XX/19 with the new appraisal from the refinancing. I currently have 29 % equity in my home and had shown proof with a written request to have it removed. Two weeks went by and on XX/XX/19 they mailed out a form that I must complete and send them {$100.00} fee for a broker 's price opinion although they received the new appraisal on XX/XX/19. Again now in XXXX 's monthly payment I have to pay an extra {$140.00} for something that by law should have been required to be removed and proof was shown. I know they have received a payoff request from the new financial institution so I think they are dragging their feet hoping it goes away with the sale of their loan.
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I am currently in the midst of buying a home, and during the examination of my credit report, I discovered unforeseen damages that are impeding my progress in the home-buying process. Despite multiple attempts to reach out to this account ( s ), expressing my concerns and requesting assistance in resolving this issue, I have not received any support or resolution, despite their awareness of the violation and also sending them requested documents of a Police report, ID, and SSN as I am a victim of identity theft. 


In accordance with the Fair Credit Reporting Act, the listed account has violated my federally protected consumer rights to privacy and confidently under the 15 USC 1681.

Law 15 USC 1681 Section 602A states I have the right to privacy.

Law 15 USC 1681 Section 604A section 2 states : It also states a consumer reporting agency can not furnish accounts without my written instructions.