davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-23
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (NJ)

I have a XXXX XXXX XXXX with a car payment of XXXX that I purchased back in XX/XX/XXXX. My income took a severe turn back in XXXX when covid hit I was out of a job for a year. I reached out to XXXX and told them I can not afford the payment they still attached late fees to my account and refused to trade my vehicle in for an affordable vehicle. I am still behind in payments barely making full payments and they still refused to trade me out my contract.
Consumer complaint received 2024-10-15
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: Experian Information Solutions Inc. (FL)

A month ago, I submitted a complaint to these Bureaus, but the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they've properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is really frustrating, especially since it's been over 30 days since I filed my complaint.
Consumer complaint received 2024-10-15
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. (VA)

Why until now these negative accounts are still here it's been a while since I've done this I have filed a complaint with the FTC for these accounts why so far there is no action. And I also received a letter from the bureaus saying that I am not the one who will send the letter for the bureaus, this is wrong because I am the one who will send my letter, here are the lists of negative accounts that I want as soon as possible
Consumer complaint received 2023-11-28
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: Experian Information Solutions Inc. (FL)

On XX/XX/2023, I sent a certified letter to Experian asking them to correct inaccurate information on my credit report. The letter was accompanied by extensive and conclusive evidence that the debt in dispute was previously settled with the creditor. My letter and evidence was signed for and received by Experian on XX/XX/2023. On XX/XX/2023, I received a letter from Experian that their investigation was " complete ''. However, the inaccurate information was never corrected or removed from my XXXX report. 

According to the FCRA, " If a company that provided disputed information to a credit reporting agency is unable to determine whether the information is true or not, the law requires them to tell the credit reporting company the information could not be verified so that the credit reporting company will stop reporting it. '' I have attached my original dispute letter with accompanying extensive and conclusive evidence, confirmation that my dispute letter was received by Experian and a copy of their response for your review. 

After you review this information, please make sure Experian adheres to the FCRA and corrects or removes the inaccurate information from my credit report. If they fail to do so, please inform them of my intent to sue in Federal Court to have the erroneous information reviewed. 

Thank you.
Consumer complaint received 2020-01-03
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CT)

Shellpoint Mortgage has refused to give back almost {$3000.00} due to the family after the passing of the father and the sales of the house and settlement of the estate. They issued a check incorrectly in the name of the deceased which could not be cashed as it was not written ( as directed by the estate attorney ) to the Estate. After multiple attempts to resolve the issue, we escalated with the ConsumerFinance.gov website and received an incorrect resolution summary document ( attached ) from ShellPoint Mortgage which FALSELY states that funds were distributed via EFT, which they were not. No funds were distributed to any estate or personal bank accounts via EFT, and no checks were issued to the estate.

Multiple subsequent attempts to reach the bank for reply have gone unanswered. XXXX XXXX in the ShellPoint Mortgage compliance department has not returned multiple phone calls to the number that was outlined in their response ( XXXX ).
Consumer complaint received 2022-04-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DISCOVER BANK (PA)

Discover Credit Card company allowed someone to open a credit card account with my name and address without proper identification and verification. The account is listed as charged off on my credit report in which I never opened an account with Discover and my credit score never met the their credit card requirements.

I faxed and forwarded my signature and letter which was also notarized by a Certified Notary Public to provide proof that the charged off account is not mine.
Consumer complaint received 2020-06-10
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. (TX)

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts/items. XXXX XXXX XXXX. Credit Inquiries : 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 

I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report.
Consumer complaint received 2024-02-23
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: Experian Information Solutions Inc. (OH)

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
DEPTEDXXXX XXXXXXXX Balance Owed : {$2300.00} DEPTEDXXXX XXXX Balance Owed : {$3800.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$3900.00} XXXX XXXX XXXX XXXX Balance Owed : {$690.00}
Consumer complaint received 2020-06-10
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: BMW Financial Services NA, LLC (CA)

I leased a car in XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX. 
i purchased the same car in XXXX. They made be buy extra warranties ( Optional car warranty and Wheel and tyre warranty ) stating I could cancel within a month, and when I cancelled it within the month. They were saying I should buy out the car with the warranty amount and then they could pay a check for my warrant amount to me When I bought the car+ warranty amount, they they changed it to they will pay with in a month, later after repeated visiting the center in XXXX and email they stated it may take more than 90 days. Now they are not responding to emails and not responding to my calls.
Consumer complaint received 2024-02-23
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (NY)

I am writing to dispute several late payment entries on my credit report. Upon reviewing my credit history, I have noticed discrepancies regarding the reporting of late payments on certain accounts. The details of these late payments are as follows : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

This account is fraud. I applied for a secured credit card, NOT a loan application, and that was before acquisition by this organization. My report was falsely attacked and this fraud was put on there when I never authorized such account, it needs to be removed immediately and my report needs to be corrected. It is completely fraudulent and I never authorized such a thing, I initially tried to create a secured credit card, which would be paid in installments over time to create credit line, but they denied me, and then did this fraud upon me. 

I do not want business with these criminals and this needs to be removed from my credit immediately as it is a childish attempt at mocking what they want to be serious extortion.
Consumer complaint received 2022-04-19
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. (CA)

I was a victim of a armed robbery on XX/XX/XXXX. It was the early morning between XXXX to XXXX. I was on my way after a night @ the casino with my friends. I was on XXXX XXXX when I got a flat tire. I just got my vehicle in XX/XX/XXXX & it's a XXXX. So to charge my phones I use a lighter charge adaptor. I opened my trunk so I could change my tire & no jack just a crowbar. So I sat in my car & went to charge my phones & the adapter broke. My phones died. The area I was stranded was industrial with minimal house around. My vehicle also didn't come with a working horn. I fell asleep & woke up because I heard the passenger door handle my doors were locked. There was tall regular built man trying to get in my car. He broke my window with a hammer. he grabbed my purse & I screamed & he ran. I looked to my left & there was another man in a car pulled right on the side of me & he jumped in that car. I couldn't do anything & I was stranded from XXXX to XXXX. I got help from a church who got my tire fixed. So I had a broken window & need new tires. My purse was a designer purse with matching wallet those 2 items {$450.00}. I won {$500.00} cash @ the casino & that was in there. All my financial information was in my purse. My checkbook, ATM cards, charge cards, my social security card, my license, a printout with my checking & saving account information. So once I got home & charged my phone I called my bank & has the accounts changed. However they has spent {$200.00} from my checking @ XXXXXXXX XXXX XXXX Needless to say these people maxed out my XXXXXXXX XXXX card,  my XXXX XXXX card, they applied to finance furniture thru XXXX XXXX & were approved for {$5000.00}. I contacted the department stores & they are working with me. XXXX canceled the loan & said I wasn't liable but I had to file a Consumer Report to the FTC & email the report & the police report to them. I found out they were applying for credit cards & charge cards because XXXX XXXX called me & asked if I applied for these cards. I said no because I fixed my credit so I could buy a house. I have 1 credit card I use to build my credit & that's all. The following is a list of all the companies they applied for credit & that are now on my credit report as a hard inquiry : 1. XXXXXXXX XXXX XXXX applied XX/XX/XXXX 2. XXXX XXXX XXXX applied XX/XX/XXXX 3. XXXX XXXX XXXX- XXXX Applied XX/XX/XXXX 4. XXXX XXXX - XXXX Applied XX/XX/XXXX 5. XXXX XXXXXXXX XXXX XXXXXXXX XXXX - XXXX Applied XX/XX/XXXX 6. XXXX XXXX XXXX XXXX Applied XX/XX/XXXX 7. XXXX XXXX XXXXXXXX XXXX XXXX XXXX applied XX/XX/XXXX I also file a report with Identitytheft.gov. I am writing a dispute letter after this to the credit bureau advising them of everything I just told your company. 
Thank you
Consumer complaint received 2020-06-10
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. (TX)

XXXX **** XXXX XXXX **** I have sent 2 letters certified mail requesting to validate two accounts above ( XX/XX/20 & XX/XX/20 ). Experian sent the responses after two weeks of each letter sent and has not given me adequate proof of debt. XXXX  was not able to validate the debt and removed the account. How was Experian able to validate the account?
Consumer complaint received 2022-12-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2020-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (UT)

XXXX XXXX XXXX XXXX # XXXX is reporting a debt to my credit report that should no longer be on there. I settled this debt back in XXXX but the account is still reporting a balance to my credit. This needs to be removed as it is reporting inaccurately, I have already settled this.
Consumer complaint received 2020-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (UT)

XXXX XXXX XXXX XXXX # XXXX is reporting a debt to my credit report that should no longer be on there. I settled this debt back in XXXX but the account is still reporting a balance to my credit. This needs to be removed as it is reporting inaccurately, I have already settled this.
Consumer complaint received 2022-10-05
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)

It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my XXXX, XXXX, TransUnion credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX XXXX XXXX XX/XX/2022 -XXXX XX/XX/2022 -XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 -XXXX XX/XX/2022 XXXXXXXX XXXX : XXXX XXXX XXXX XXXX XXXX  XXXX -XXXX XXXX -XXXX XXXX XXXX -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-11-28
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. (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. 

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 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 2022-10-05
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. (MO)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2019-12-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

I submitted a fraud claim for a check of mine that withdrew money from my checking account at Citizens Bank with a forged signature. The missing checks were tied to a car break-in that happened to me over two years ago. This check was cashed on XX/XX/2019 for {$600.00} and the signature on the check is clearly not mine when compared to other checks. On XX/XX/XXXX, I received a notice from the bank that they are denying my claim, saying that it was my fault that my checkbook which was inside a bag, hidden and locked inside my car was stolen. I'm not sure how much more secure a checkbook can be aside from being locked in a safe. 

Furthermore, on XX/XX/XXXX, I've been notified another check has been cashed with a clearly different, forged signature for {$300.00} after I had already spoken with my bank to get my account frozen so that no further withdrawals could be made. The bank is still claiming the theft is my fault and requiring me to send a written letter to get the fraud case reviewed. I have called the XXXX Police Department to receive a case number for the forged checks. 

It is unreasonable to place the blame on the victim of a theft for their property being stolen when checks require signatures precisely to ensure that people are not fraudulently using them. If the bank can not be expected to compare signatures on the checks to prevent the fraud, what is the point of requiring signatures for checks in the first place?
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MD)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-06-30
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: EQUIFAX, INC. (TX)

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 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 2020-06-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (CA)

5 {$1000.00} Payments were made from XXXX account XXXX to XXXX XXXX and XXXX XXXX states they did not get them! WE are missing {$5000.00} or so Comenity bank states! 5 payments in the amount of {$1000.00} each were made to Comenity Bank ( The same way each week via bill-pay from XXXX XXXX  for the past 3 plus years ). Each week a payment of {$1000.00} was made. Each payment was electric from XXXX to Comenity some way for the last 3 years NO changes! It is set-up automatically for weekly payments. I noticed that my payments were not posted, so I called Comenity Bank and they stated I did not make the payments. I called XXXX XXXX. XXXX XXXX  and I called Comenity Bank and once again they stated the payments were not made. XXXX and I both sent back-up 's of the payments totaling over {$5000.00} that are missing and they still state the payments were not made. XXXX stated since no changes were made to the payments for the past 3 years they could not help me ( basically since I sent the payment the same way for the past 3 year with no changes electrically no fraud was found ). Below are the payments that are missing XX/XX/2019XX/XX/2019XX/XX/2019 XX/XX/2019XX/XX/2019