davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-07
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. (GA)

I have previously contacted XXXX XXXX XXXX XXXX XXXX XXXX to file a billing error dispute reporting on my credit report. 

XXXX has posted a erroneous late payment on my credit report causing my credit score to drop significantly. 

These errors are INCORRECT on the credit reporting bureaus, and have cost me denials on gaining any type of credit. 
THIS ACCOUNT IS DUE ON THE 1ST OF EVERY MONTH AND WAS PAID BEFORE 30 DAYS LATE! I HAVE ATTACHED MY PAYMENT CONFIRMATION XXXX  has violated my consumer rights! 

15 U.S.C. 1666b CORRECTION OF BILLING ERRORS - A CREDITOR MAY NOT TREAT A CREDIT ACCOUNT UNDER AN OPEN END CONSUMER CREDIT PLAN AS LATE FOR ANY PURPOSE. 

15 U.S.C. 1681B PERMISSIBLE PURPOSE OF CONSUMER REPORTS- A PERSON SHALL NOT FURNISH ANY INFORMATION RELATING TO A CONSUMER TO ANY CONSUMER REPORTING AGENCY
Consumer complaint received 2021-04-17
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: Santander Consumer USA Holdings Inc. (AZ)

We purchased a car from XXXX XXXX XXXX XX/XX/17 santander consumer usa underwriting dept approved the loan knowing it was not legitimate on the dealerships end. The paperwork was never signed by the seller the dealership which it clearly states if not signed by seller the loan is not valid. The mileage on all of the documents was changed it shows XXXX ish miles when the car had over XXXX. The loan was and is a predatory loan. I have contacted me our attorney general and filed a compliment on here before. When the company had to settle a lawsuit they never included us even though we had defaulted at least 2 to 3 times during the required time frame. We would like the car written off and the loan showed as paid on our credit report and the signed tile free of their lien sent to us as we have continued paying on a loan that was never valid due to the dealership not signing the documents and changing milage and the loan being a predatory on subprime borrowers
Consumer complaint received 2021-04-17
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. (FL)

I have submitted several letters to the 3 credit bureaus informing them of inaccurate information on my credit report. My student loans status are current and in good standing but the bureaus continue to report negative. I have accounts that are not mines reporting and inaccuracies on my report.
Consumer complaint received 2023-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

My name is XXXX XXXX XXXX, and I am sending this request in response to a letter I received from XXXX Credit Bureau that they wont process my request to dispute inaccurate information in my credit file because they believe It didnt come directly from me or are claiming that Im working with a third party or credit clinic. Lets get the record straight!!! Im the one whos disputing this information. The information Im disputing is INCORRECT & I NEED THESE MATTERS HANDLED IMMEDIATELY. I do not recognize the information listed below and I request that XXXX Credit Bureau must investigate and delete these fraudulent Items. 
XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-18
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)

This is my 8th 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 an alleged fraud or extortion. 
XXXX XXXX XXXX APT XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} Medical XXXX Balance : {$210.00} XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I sent a certified letter to the transunion XXXX and XXXX on XX/XX/XXXX to verify my credit completely they all stated they did and everything was correct but I still see incorrect information on my report thats incorrect
Consumer complaint received 2021-04-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: GUARANTEED RATE INC. (FL)

Guaranteed Rate paid taxes for another property, not mine. They issued escrow analysis based on the incorrect taxes ( for the other property ). I have been asking since XX/XX/2020 for resolution with no results. Had to pay my own taxes to the the county to avoid having a lien put on my property. They asked for additional escrow which I dont owe, ( again related to the incorrect tax amount paid ). Have sent certified letters, spoken to at least 10 supervisors, been promised return phone calls and emails, but no one calls back. All I get is we are working on it. I have continued to pay my mortgage, taxes and escrow based on the amount before they made the error. Latest they deposited the check and marked it escrow. Received an email saying I have not paid my mortgage and put a late fee on my account. They had my tax money all along, it was their error and still did not pay my taxes. Im reporting this abusive behavior by Guaranteed Rate.
Consumer complaint received 2021-04-17
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CarMax, Inc. (FL)

I Consumer XXXX XXXX XXXX XXXX entered into a consumer credit transaction with CarMax Auto XXXX, XXXX XX/XX/2020. A consumer credit transaction in which a finance charge was involved 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The finance does not include cash, but CarMax Auto XXXX XXXX took cash. The Finance charge is suppose to include insurance, but CarMax Auto XXXX made purchase Separately. 

XXXX XXXX DEPARTMENT HELPED XXXX XXXX XXXX RECOVERY REPO MY VEHICLE ILLEGALLY FROM XXXX XXXX XXXX PARKING LOT VIOLATION 15 USC 1692 E ( 5 ) & 15 USC 1692 D ( 1 ) & 15 USC 1692 F ( A ) & ( B )
Consumer complaint received 2024-04-09
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Maximus Federal Services, Inc. (FL)

Federal student loan was transferred from Aidvantage to XXXXXXXX XXXX XXXX. Both are reporting loan as open and full amount due. XXXX and Aidvantage confirm that XXXX is the correct servicer. However Aidvantage refuses to properly report to credit bureaus that the loan is transferred, closed with them and balance XXXX. When I called to ask them to correct their error, they said theyll send me a letter and I can dispute with credit bureaus myself.

Poor business that they make this reporting error, more so that they refuse to correct their error and tell me to dispute it. Disputes take months awaiting reply and this negatively impacts my credit score while I wait ( larger debt owed than I actually owe ).
Consumer complaint received 2024-03-21
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I've consistently upheld the practice of making timely payments on this account, preventing any instances of overdue payments. The existence of late payment remarks on my accounts leaves me uncertain. In accordance with 15 USC 1666b - Billing Error, corrections should be applied if discrepancies are found.
Consumer complaint received 2023-02-20
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. (NC)

XXXX XXXX XXXX, is improperly calculating my FICO Score 1. The date you opened your oldest bankcard or credit card account is too recent 2. Lack of sufficient credit history 3. Lack of sufficient relevant real estate account information 4. Balances on bankcard or credit card accounts too high compared to credit limits
Consumer complaint received 2021-04-17
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Receivables Performance Management, LLC (IA)

XXXX agree to remove the collections due to a mistake on their behalf. I had spoken with the corporate office as well and he agree with me as well and sent me a email stating it would be remove. Another collections company has it and refused to remove it.
Consumer complaint received 2021-04-17
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (KY)

Submitted Letter to Equifax and XXXX  on XX/XX/2021 to verify debt collections on my account. I have yet to hear back from them about regarding the investigation.
Consumer complaint received 2023-02-20
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. (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 has violated my rights. 


UNAUTHORIZED INQUIRIES : XXXX XX/XX/2022 XXXX XX/XX/2XXXX XXXX XXXX XXXX XXXXXX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2017-05-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Colony Brands, Inc. (NV)

I have mailed certified le tters to Swiss Colony, a nd   XXXX   regarding this account.     XXXX   XXXX   to Swiss Colony   XXXX   XXXX   to Swiss Colony   XXXX   XXXX   to  XXXX  They claim I owe {$240.00} to an account that is not mine, or related to me.     I have asked numerous times for documents/contracts bearing my signature and they refuse to provide.      Swiss Colony sen t a letter to me  X/XX/2017    asking for information from me including a signed affidavit. I do not need to provide them a thing, and they continue to say things are mine, and  XXXX  is not deleting and claiming they verified account with  Swiss Colony with no signature.
Consumer complaint received 2023-02-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Due to noncompliance with 15 U.S. Code 1681 ( e ) ( B ) and Metro 2 Compliance Standards, I would like to request that this account be removed from my credit report as soon as possible.It has been more than 7 months and I have never been given any information of the results of my request. I dont recall informations and I have never given permissiion to furnish any of the details on this account information. Account information disputed by consumer, meets FCRA requirements. I am requesting that this accounts referenced to the attached letters be removed from my credit report as soon as possible.
Consumer complaint received 2021-04-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: REGIONS FINANCIAL CORPORATION (NC)

On our company Universal Premium Fleetcard statement dated XX/XX/21 there was a high risk transaction fee. Coincidentally we had received a notice dated XX/XX/21 that changed an account section called " High Credit Risk Account '' that I will include in the documents. When I called customer service about this fee the only information they would give me was an email stating that " the fee has been assessed due to low FICO ''. Now the terms of this state that our consumer credit score ( does not mention FICO ) as reported by a credit reporting agency utilized at their discretion can not fall below 600 ( this changed from 530 originally ). It also states that if it drops by 51 points or more in any 3-month rolling period that it could also trigger the high risk transaction fee. 
My complaint is that they should have to provide proof of this, not just send me an email stating our company has a low FICO. We do not pay for XXXX XXXX XXXX and we are not a high credit company. My issue is that this company can randomly charge this fee with no proof whatsoever of us failing to meet their terms. They should have to provide the data they are using because they should have to prove something that they set the terms for. This is not right.
Consumer complaint received 2024-03-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I did not consent to, or authorize nor benefit from any of the following accounts and information. Block and remove it. Please also send me a copy of my updated report with the updated result of your investigation. These inquiries should also be removed.
Consumer complaint received 2021-04-17
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: MoneyLion Inc. (GA)

Dear CFPB, I would like to file this complaint against MoneyLion INC who acted very dishonestly with my credit report today where they flagged my XXXX XXXX account 30 days past due where 56 points dropped from my credit report and I want it to be clear to them and rectify my credit report right away.l or I am gon na file a lawsuit against them to respect people. They have a very bad product which called XXXX which is a fake product that they use to raise money and destroy people 's credit reports.They allow you to pay XXXX $ With like an installment XXXX $ pay payment, I started this with them where I paid them XXXX $ which is not something I owed them but giving it to them to help build back my credit.Anytime I wan na pay that XXXX $ their billing system doesnt allow me to make my payment and I have real debit card and real bank account information .I contacted them to let them know about the issue but they never replied me, never reply me at all.Today I contacted them again in order to fix the payment issue instead of doing that they flagged my credit report 30 days past due so that means they heard me but they never contacted me to resolve this issue but the fact that they are so greedy for money and have no interest to people, they prefer to report my account 30 days past due and flagged my credit report and dropped 59 and 70 points total.The purpose of this complaint is for them to fix this issue right away which is the billing error and the 30 days past due in my credit report.They heard me but they showed me i am not that important to deserve a reply.They have zero customer services, They never reply text, message and any calls.Their mission is to garnish people credit report and finances.I give them 30 days to get this fix.Thank you!
Consumer complaint received 2018-06-12
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aargon Agency, Inc. (FL)

The doctor was informed that my insurance only cover me after I spend {$1500.00}. I informed my doctor that I would be requesting XXXX XXXX under the XXXX act and I would not have to pay for the XXXX or XXXX he recommend. I informed the doctor I made little money and all I could afford was the co-payment. In any event, the doctor assistance walked in and gave me a XXXX XXXX. After what I said he said, " he would bill the insurance company. '' Next, I received a collection bill from two collection agencies in two different states. I received telephone calls. I call my attorney. Both collection agencies are not in compliance with Florida Statute 559.553 ; Florida Statute 559.715 ; 15USC1692 ( g ) ( b ). ( c ) ( k ). I request the collection  agency cease and desist from a letter from the federal government.
Consumer complaint received 2023-02-20
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. (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 items, 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 items in my file. I hope the following items will be repaired as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-05-02
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. (FL)

I have written to this agency to remove my statement due to fraud and not being able to fix the issue I had to file bankruptcy. nothing they don't respond and calling them does not exist I have argued that XXXX XXXX was not in my bankruptcy they came back with no changes but XXXX XXXX is still reviewing. so this tells me that Experian is for the creditor and not the consumer and really do not do on behalf of the consumer when they are given proof of what I am stating. 
XXXX and XXXX XXXX XXXX are in my bankruptcy and Experian did not put it on. 
I have had problems with Experian regarding numerous issues and they seem to take the side of the Creditor when they are showing documentation that the Creditor is wrong.
Consumer complaint received 2018-06-11
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (MA)

i submitted a complaint to paypal concerning an account in my name that was hacked and their response shed a lot of light on a lot of fraud that happened in my name that i need a lot more information and a much better response from the company so they can help me restore my identity that they allowed to be so severely compromised to start with.

on XX/XX/XXXX my account was put on limitation and paypal requested that i confirm my identity with new security questions, new passwords and submit a copy of my photo id. i did NOT do any of these things. and especially because paypal 's policy demands that the only valid photo i.d . that would be accepted is a drivers license or other government issued i.d.s i NEED to know what this photo looked like, because i have never a day in my life sent paypal a photo I.D .

on XX/XX/XXXX my account access was restored and it never should have been.

then 3 days later, XX/XX/XXXX, for the same reason my account was put on limitation, and using the SAME method my identification was validated and my account access was restored. i have not used any of these accounts for years and none of these actions taken to confirm my identity were done by me and NEED to be analyzed.

additionally i submitted my complain on XX/XX/XXXX and it took until XX/XX/XXXX for paypal to place another limitation on my account, especially considering the limitation placed on XX/XX/XXXX should never have been lifted, the fact that it took until XX/XX/XXXX to place a permanent limitation is a serious problem. And the fact that it is at a " permanent limitation '' status and not " closed '' needs to be remedied IMMEDIATELY ( not in another month )
Consumer complaint received 2023-02-20
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. (RI)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX under 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 a account without my written instructions