davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-22
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (AL)

Complaint : Preditory Lending Car Loan XXXX XXXX XXXX XXXX XXXX, AL Date of Loan : XX/XX/XXXX Financial Institiution : XXXX  XXXX  Account # : XXXX XXXX XXXX XXXX XXXX amount financed : {$30000.00} APR : 9.29 % Loan Duration : 72 months Monthly Payment : {$560.00} I had lost my job 1 year before ( XX/XX/XXXX ) the loan and my wife and I were struggling with our finances. Our only vechicle ( XXXX XXXX XXXX ) and at the time it was have some mechanical issues and we were in an emergency replacement mode. I was under so much strees at the time but, I had to have a vehicle in order to work. XXXX XXXX took my XXXX  in trade ( est. {$9000.00} ) and still financed the loan at more than double of the value. Given my age of XXXX yrs old I couldn't find work in my field and was suffering from a finacnical hardship and XXXX XXXX took advantage of my vulnerablity.
Consumer complaint received 2022-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting Act 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 : States a consumer reporting agency can not furnish an account without my written instructions and or permission. 

INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  BUSINESS TYPE : ALL BANKS DATE OF INQUIRIY : XX/XX/2021 XXXX XXXX  XXXX, has violated my rights based on the above sections so stated within the Fair Credit Reporting Act. Additional I do not recognize such inquiry.
Consumer complaint received 2021-11-18
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY (NY)

A bank account was opened under my name at TD Bank. So far I don't see anything else being opened as such and no funds are missing from my account. I was able to call TD Bank and get the account closed. It seems this was opened on XX/XX/
Consumer complaint received 2022-05-22
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IN)

I filed a dispute with Equifax concerning XXXX XXXX XXXX. 
I stated that the company has failed to give me a verification of debt or notice of the bill, I also filed a CFPB report on this company, they have not replied to the complaint. 

Equifax has said the debt has been verified which is a lie. Equifax has not went through the proper steps to verify a debt according to the Consumer Credit Protection Act. 
This is ridiculous.
Consumer complaint received 2022-05-22
Product: Credit reporting, credit repair services, 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. (TX)

In accordance with the Fair Credit Reporting Act 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 : States a consumer reporting agency can not furnish an account without my written instructions and or permission. 

INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BUSINESS TYPE : ALL BANKS DATE OF INQUIRIY : XX/XX/2021 XXXX XXXX XXXX has violated my rights based on the above sections so stated within the Fair Credit Reporting Act. Additional I do not recognize such inquiry.
Consumer complaint received 2022-04-12
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MI)

On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored of my disputes. it is plainly stated that a failure to investigate these items within 60 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will take legal action due to the stress you caused me. My information may have got into the hands of the wrong person.
Consumer complaint received 2024-02-16
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. (VA)

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.

has violated my rights. Or a 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 2023-02-06
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. (CA)

I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-07-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (WA)

Last month I received a statement stating I was late, behind in payments. I called and they had applied a payment to principle. It took a couple days but it had gotten fixed. well I thought it did. They took my next payment and applied it to that month. I have called 4 times now trying to get this fixed. I have even had a supervisor call me back it was supposed to be fixed by XX/XX/XXXX. It has not been fixed. When I call I'm on hold for over an hour. Which is not expectable especially when I have a job and cant afford to be off the clock for an hour. I have sent them support messages and have not received contact back in regards to this. They need to take my payment from the principle and apply it to XX/XX/XXXX's payment. I'm really worried they wont fix this and it's going to report to my credit I'm late. WE ARE NO LATE. Every time we call they say will fix it. Give us a couple days. I want it fixed now it has been over 20 days now that I have called 3 times this month. Currently I'm still on hold it's been one hour and 21 minutes.
Consumer complaint received 2022-10-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2022-05-22
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: CLGF Holdco 1, LLC (CA)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy. 

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

15USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2015-11-06
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: AMERICAN EXPRESS COMPANY (CA)

I had an arrangement with American Express that they would take out {$500.00} a month on the XXXX of every month directly to pay down the outstanding balance of my account. 
They have taken it out {$1500.00} to {$2000.00} out of my checking account. 
Today I was updated by Experian of the following : They Charge off my account? even with an agreement? And American Express was taking Money directly from my checking account Monthly? and I would not be charged further interest? Where most of the incurred debt is coming from. Why did they call me and get me to agree to the terms that they requested if they were going to pursue a charge off '' XXXX Potentially negative information has been posted to your Credit Report Hide DetailsBusiness : Phone : Status Date : Payment Status : AMEXXXXX XXXX XXXX XXXX, FL XXXX/2015Charge-offReported By : XXXX What is Potentially Negative Information? 

An item is " Potentially Negative '' when a credit reports that you have not met the terms of your agreement with them. This may include late payments, charged off accounts, accounts sent to collection, bankruptcies, liens, judgements, etc.
Consumer complaint received 2022-12-17
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. (CA)

I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account XXXX XXXX XXXX XXXX XXXX  : {$670.00}
Consumer complaint received 2022-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (TX)

Criminal record was added to my personal file on XXXX/XXXX/2022 This action should not be reported on my personal credit. This was a situation that I was not charge of. This is information on my report is not true. This needs to be removed from my personal records. 

15 u.s.c 1681 section 602 A. States I have a right to privacy 15 u.s.c 1681 section 604 A Section 2 it also stays consumer reporting agency can not furnish a account Without my written instructions
Consumer complaint received 2019-07-29
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

After sending information to verify myself with my disputes ( XX/XX/XXXX  ) by means of a Credit Repair Organization, Equifax has failed to respond. They have violated the FCRA, it has been more than 30-days. Please see items below ACCOUNTS XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX XXXX XXXX {$3500.00} not mine XXXX XXXX XXXX XXXX {$2500.00} not mine INQUIRIES XXXX XXXX  XXXX XX/XX/XXXX unauthorized XXXX  XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX  XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX : XXXX XXXX not mine
Consumer complaint received 2024-02-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (WA)

I was part of the XXXX XXXX XXXX settlement. According to court documents full relieve was to be granted on or before XX/XX/2024. I have not received all refunds and I have not received my discharge letter for borrowers defense for both schools I was awarded.
Consumer complaint received 2022-12-17
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. (LA)

This is a Follow up to my complaint last XX/XX/XXXX, XXXXto update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$10000.00}
Consumer complaint received 2022-05-22
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

The XXXX XXXX account appearing on my credit report as a Charge Off with a balance of {$800.00} is inaccurate and incorrect. The XXXX XXXX account wassettled withXXXX XXXX XXXX The account balance is reported inaccuratelyand isincorrect. The balance should be XXXX  Only the settlement payment was updated and not the entire balance updated. These are direct violations pursuant to The Fair Credit Reporting Act 609. Disclosures to consumers [ 15 U.S.C. 1681g ], Section 609 ( a ) ( 1 ) ( A ), and FCRA 611 ( 15 U.S.C. 1681I ). PROCEDURE IN CASE OF DISPUTED ACCURACY.
Consumer complaint received 2021-11-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (CA)

Hello CFPB! I just want to start by saying thank you for your time and consideration. The reason for this complaint is because my bank Wells Fargo, has denied a claim for a spending spree on my Wells Fargo card. Now it is just downright wrong to call and lie about a fraud and in my case I did not do that. I did not spend the money took out of my account. The reference number for the fraud claim I was given is XXXX. I was charged to my card for food, alcohol, and apparently some tickets to somewhere. The days these transactions were made I was at my sisters bday party and have proof of so. I also had a XXXX $ charge for XXXX and when I called them they had no records of the charge and told me to call the bank to put in a claim asap. Unfortunately for me, it got denied. I called and asked why it was denied and they said they couldnt give me a reason that it just was. I was only suggested to close my account. I got no help at all and hope that moving forward I can get help. The transactions I disputed were seriously not me and its honestly spiteful that a large bank like Wells Fargo is declining a small claim of XXXX $ when its nothing to them, but a large amount for me to have taken out my account without my regard.
Consumer complaint received 2017-05-25
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ad Astra Recovery Services Inc (TX)

I have NEVER given this company consent to my private personal information which is identity theft. This company does that have a contract signed by me for services with this company. Per FDCPA 1692c Sec 802, this company asking me to pay an alleged debt they are no party of is FRAUD.
Consumer complaint received 2022-05-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (FL)

XXXX XXXX XXXX was my original mortgage During the pandemic I apply for a forbearance assistance and I have accepted when the assistance ended they offer me a trial payment which I accepted But at the time to do my first payment the sold the loan to a shellpoint mortgage and the new mortgage took over so I did the payment with the new mortgage company on time for 3 consecutive months so I was approved for a modification on my loan but they report me those 3 payment as late payment and every time I call to try to get this issue fix they said that because my original payment with the old mortgage was a different amount they reported like that And they dont honoring the trial period that I was approved
Consumer complaint received 2022-05-22
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. (TX)

In accordance with the fair credit reporting act XXXX account XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX US Dept of Education XXXX XXXX US Dept of EducationXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX systems 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 602 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting Act 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 : States a consumer reporting agency can not furnish an account without my written instructions and or permission. 

INQUIRIES : XXXX / XXXX XXXX XXXX : XXXX / XXXX XXXX BUSINESS TYPE : AUTO DEALERS DATE OF XXXX : XX/XX/2021 XXXX / XXXX XXXX has violated my rights based on the above sections so stated within the Fair Credit Reporting Act. Additional I do not recognize such inquiry.
Consumer complaint received 2022-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting Act 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 : States a consumer reporting agency can not furnish an account without my written instructions and or permission. 

INQUIRIES : XXXX / XXXX XXXX XXXX : XXXX / XXXX XXXX BUSINESS TYPE : XXXX XXXX DATE OF XXXX : XX/XX/2021 XXXX / XXXXXXXX XXXX has violated my rights based on the above sections so stated within the Fair Credit Reporting Act. Additional I do not recognize such inquiry.
Consumer complaint received 2023-10-06
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. (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 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 2022-05-22
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 rights to consumer privacy and confidentiality under 15 U.S.C 1681. XXXX XXXX has violated my rights. 

15 U.S.c 1681 section 602 A. States I have a 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 2022-05-22
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. (GA)

Applied for a vehicle at a car dealership XXXX, but did not expect the sales representative to send my personal information to several bank/lenders. It resulted in a dramatic drop in my credit report from all 3 bureaus. Requesting that the following items from the Identity Theft PDF be removed from my credit report immediately according to the Fair Credit Reporting Act. Thank you for your time.
Consumer complaint received 2024-02-16
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)

this XXXX XXXX XXXX credit account has been charged off. so this means that XXXX XXXX XXXX has written off on there books as a business expense. so now the IRS considers this to be income on my end. my pay check isn't being reported on my credit so why is this. Per IRS publication 4681. ive attached a 1099C to cancel out this debt. 15 usc 1681a ( 2 ) ( i ) .Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. in those regard this complaint delete this from my consumer report ASAP. this is securites fraud. per the securities exchange act of XXXX and XXXX.
Consumer complaint received 2022-05-22
Product: Credit reporting, credit repair services, 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. (TX)

In accordance with the Fair Credit Reporting Act 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 : States a consumer reporting agency can not furnish an account without my written instructions and or permission. 

INQUIRIES : XXXX / XXXX XXXX XXXX : XXXX / XXXX XXXX BUSINESS TYPE : XXXX XXXX DATE OF INQUIRIY : XX/XX/2021 XXXX / XXXX XXXX, has violated my rights based on the above sections so stated within the Fair Credit Reporting Act. Additional I do not recognize such inquiry.