davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-11
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Santander Consumer USA Holdings Inc. (NH)

I had a loan for a XX/XX/XXXX XXXX XXXX that had multiple issues with the transmission. I had the car repaired multiple times under the recall that was issued. The car would automatically downshift into first gear when while traveling and often on the highway. This almost caused an accident more than once. The car was not safe to drive. 

I went to the XXXX XXXX XXXX dealership where they replaced the transmission twice, serviced it at least twice with computer updates and so on but the problem persisted. The service manager continuously fought with me about the car and kept refusing to fix it. He told me that the car had already been fixed and that the campaign was expired due to having 100k miles on it. I showed him the letter that XXXX sent to me and he still continued to argue with me. He made me call the XXXX hotline where he got into a heated argument with the woman on the phone who told him that the car was still covered and that they had to fix it. 

He begrudgingly ordered the parts and said that it would take 4-6 weeks to get them because I was now on the bottom of the waiting list. During that time I had a XX/XX/XXXX and was unable to drive. I called and explained that I was trying to work out a way to get the car to him. He gave my parts away to another customer and after trying to work with him I got no where. 

I tried to trade in the vehicle to another dealership ( XXXX XXXX ) and after them test driving it they said there was something seriously wrong with it and there was nothing they could do for me. 

I needed a safe vehicle to drive and since I couldn't get any where with anyone on this XXXX, I told the bank to come get it because I couldn't afford to pay for 2 vehicles. 

The car is still tied up in a class action lawsuit with XXXX XXXX.  However, the car is still damaging my credit and I need to get this resolved.
Consumer complaint received 2022-02-20
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NM)

XXXX XXXX XXXX filed a suit to collect a debt and never gave me any opportunity to review the debt. Moreover, they falsely claimed to have served me and filed suit in the incorrect jurisdiction! I havent been given any rights to accept or deny anything. I can not give an amount as I have no clue if the debt is accurate. I
Consumer complaint received 2021-02-06
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Shellpoint Partners, LLC (NJ)

I am currently in the process of selling my mobile home. My current lender states that they can not provide me with a copy of my title that my buyer needs in order to close. Because of this, I had to get a copy from XXXX. In order for XXXX to release a copy of my title, they need a letter from the mortgage company saying they have permission to print out the title ( being that they are the lienholder ). Which at that point, the original title would be sent to them and a copy would be given to me so I will be able to close. The mortgage company refused to send a letter for permission to XXXX. They are holding up the sale on my mobile home.
Consumer complaint received 2020-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (FL)

Dear to whom might be concern, My name is " XXXX XXXX ". I have been trying to report inaccurate items on my credit report over past year but it never worked. I notice that there are several addresses and employment information on my credit report that not belong to me or any my business. So i demand to get these addresses and employment information remove as i list them below : **Address** _XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX _XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX _XXXX XXXX XXXX XXXX XXXX, FL XXXX _XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX **Employment information** _XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX _XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX _XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX _XXXX XXXX XXXX   XXXX, NJ XXXX I didn't intend to put any of these addresses in my credit report. They are  all incorrect and someone might intensionally settle inaccurate items to intervene me obtain my credit. As you may also aware of VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) " There are several items on my report that are not legally allowed on my report '' **Hard Inquiries** _XXXX XXXX Inquiry : XX/XX/XXXX UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION & As you may ware of Metro 2 Compliance Violation ( Not Including Creditor Contact Information ). This account is currently in dispute but the data furnisher has not updated the remarks on the account which is a violation of the F.C.R.A _XXXX XXXX Inquiry : XX/XX/XXXX unauthorized inquiry and date furnisher has violated Metro2 reporting compliance by not reporting their contact information. Delete immediately!! 
_XXXX XXXX Inquiry : XX/XX/XXXX This account is not mine, delete it immediately or provide me full documentation as i never receipt any writing mail disclosure or warning. Section FCRA [ 15 U.S.C. 1681d ] ( a ) " Disclosure of investigative consumer reports '' I must receive a disclosure that this letter was is received and it must be made in a writing mailed, or otherwise delivered, to the consumer, not later than three days after the date on which the report was first requested. Provide me proof that the credit bureaus has followed these FCRA laws. 
_XX/XX/XXXX XXXX Inquiry : XX/XX/XXXX This account is not belong to me. Delete it!!!
Consumer complaint received 2022-10-30
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. (PA)

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 U.S.C 1681 XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A state I have the right to privacy.

15 U.S.C 1681 section 604 section 2 it also states a consumer reporting angency can not furnish a account without my writing instructions 15 U.S.C 1681 ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer reports containing any of following items of information any other adverse items of information, other than records of convictions of crime which antedate the report by more than seven years.

15 U.S.C 1681 -2 ( A ) ( 1 ) a person shall not finish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2023-03-10
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: Resurgent Capital Services L.P. (FL)

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.

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

15 USC 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 2020-08-11
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION (NC)

I had enough funds in my account to XXXX and to pay for another item and then apparently the bank removed the debit and allowed funds to be available and charged my card for the same things again when the funds were not available instead of returning the items or declining the charge and charged my account XXXX dollars in overdraft fees. I was told this would not happen unless these were reoccurring fees on my account which they are not. Once a charge is made on a debit card it should be paid and the funds should be removed from your account. They are playing games with funds to charge nsf fees.
Consumer complaint received 2020-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CA)

I Cant lift security freez in my account by either calling and online! I spent days calling. I need it resolved as soon as possible and I am doing refinancing and need lock my rate but I could not get a hold of one single person and the whole process is so frustrating.
Consumer complaint received 2023-05-25
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. (NY)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-10-30
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: American First Finance, Inc. (FL)

I have filed 2 complaints with the CFPB in regards to this company. Each time the company refused to respond but decided to send me a one page alleges agreement I had with the company. American First Finance has reported an alleged account in a negative manner to multiple credit reporting agencies. The company has violated my rights to privacy. I did not receive the necessary disclosures or ability to dispute this claim before it was added to my consumer report. This one grace error is causing financial difficulties in my family life and household. I am being denied the ability to a place of abode because of this item reporting as charged off on my report. I am demanding this company to correct this issue by zeroing out this account and deleting this account.
Consumer complaint received 2023-03-17
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back. 

I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my letters.
Consumer complaint received 2020-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

This company keeps intentionally reporting inaccurate information on my credit report. They keep changing the amounts and dates of the account. They have also manipulated the payment history. The company refuses to validate the debt which is violation of the FDCPA AND THE FCRA due to inaccurate information. They will not comply with the federal laws of the UNITED STATES
Consumer complaint received 2020-06-11
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. (CO)

I called XXXX fraud department and asked if they had already had my police report and stuff on file from last year and they didnt. I was trying to dispute unauthorized inquires and wouldnt dispute them and I cant get a hold of transunion where someone could help me.
Consumer complaint received 2020-06-17
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TransferWise Ltd ()

I have sent to XXXX XXXX XXXX XXXX XXXXUSD that should have arrived at XXXX XXXX. XXXX Branch, Beneficiary account number XXXX on XX/XX/XXXX, but the money never arrived at the destination. The Trace id of my transfer is XXXX. 
Could you, please, inform me of the whereabouts of my transfer? 
Please mail me at XXXX XXXX
Consumer complaint received 2022-05-16
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: TRUIST FINANCIAL CORPORATION (NY)

I applied for credit 2 times one which was XX/XX/XXXX and XX/XX/XXXX and was denied credit on both applications which is very fraudulent and aggravated identity theft. I didnt fill out a loan application according to 12USC 1431 banks do not lend money. I am a natural person the creditor and the applicant I went to this corporation to get access of my trust account and XXXX was suppose to act like the trustee instead they just stole my money denying me for my own credit when the inquiry shows that the consumer credit transaction was finalized! I didnt receive any benefit from any of the two transactions when I am the beneficiary! I provided my credit card my trust account to get access funds through this third party and was robbed off of my own credit. Not only was I robbed of my own credit but this company decided to report information ( the inquiry ) to credit reporting agencies without my written consent! Also gave me an adverse letter stating reasons for my denial when I can not be denied my own credit! And also the reasons showed me that they researched my credit ( social ) to obtain information out about me without my written consent! This is aggravated identity and very fraudulent! I emailed the corporation stating what happened and they have the nerve to tell me that non funds were disturbed nor an account was debited which is a major lie! To just tell me the beneficiary that I am denied access to my own credit after I gave my credit information which then the corporation withdrew money from is FRAUDULENT.
Consumer complaint received 2023-03-17
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)

n accordance with the Fair Credit Reporting act The Bankruptcy that is showihng on my credit has violated my consumer rights. 16 USC 1691 States I have a right to privacy. 16 USc Section 604A It also states a Consumer Reporting Agency can not furnish an account without my written instructions
Consumer complaint received 2020-06-11
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. (WI)

XXXX ; XXXX and Transunion are reporting incorrectly that I am XXXX XXXX XXXX days late on the XXXX partial account numbers XXXX and XXXX. ( Please see pages attached from my credit report. ) First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an XXXX. These accounts should be coded as an XXXX. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureau to remove these however, I have not been successful.
Consumer complaint received 2020-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (GA)

I did a credit report through the XXXX app XXXX XX/XX/2020 ), where I noticed there was a hard inquiry from Synchrony Bank. The date inquired was XX/XX/2020. I don't remember taking out a loan or applying for any loans or credit cards around this time. I made a call ( XX/XX/2020 ) to XXXX  stating I wanted more information about the Synchrony Bank inquiry, but I was told to get in contact with this bank and dispute it that way. I called the bank the same day XXXX XX/XX/2020 ) and I was told the company does not keep inquiry information for more than 3 months, so they wouldn't know what the inquiry was about or have any of my information. I then called XXXX  again to figure out the details of the inquiry, but there is nothing they can do unless I want to dispute it as fraud. 
I've never heard of this bank and I want to know how I dispute this or find out more information on this inquiry.
Consumer complaint received 2020-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AmeriHome Mortgage Company, LLC (WA)

Starting with our XXXX loan payment to Amerihome Mortgage Co. Thru automated bill pay service with XXXX XXXX our payments were not being applied to our Loan. Payments for XXXX, XXXX and XXXX were sent but not applied. XXXX payment was withdrawn from our checking account on XX/XX/XXXX, XXXX payment on XX/XX/XXXX, XXXX payment on XX/XX/XXXX. After many conversations with Amerihome personnel it was determined that we had the wrong loan number on the automated draft being sent from XXXX XXXX to Amerihome. This is a seasoned loan and Amerihome had accepted and applied all payments in XXXX using the incorrect loan number. At no point were we informed that the loan number was incorrect. Amerihome reported to XXXX  that the loan was delinquent thus lowering my credit score by approximately 50 points. I find the Amerihome personnel totally indifferent to this problem, generally the individual 's that we talked with were pretty much uninformed regarding how to research this problem. In my opinion this problem should have been resolved within a XXXX hour period but took us talking with Amerihome from XXXX thru XXXX. This company is just unprepared to accurately diagnosis even the simplest situation.
Consumer complaint received 2020-06-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (GA)

XXXX XXXX XXXX in XXXX, AL states that I have a medical collection for a XXXX  in XXXX. I have never even been to XXXX. I called them and they would not listen to me - they just wanted me to pay the debt without caring that it isn't mine.
Consumer complaint received 2022-05-16
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. (NY)

I spoke to experian several times and disputed and they have been using stall tactics. I even had an cfpb agent on a 3way call because they playing games when it comes to my utilization. I only have XXXX credit card open with a limit of {$800.00} and a balance of {$55.00}. So my utilization should be 7 %. Experian has been willfully reporting inaccurate information I called them out on it and letting them know that I only have XXXX  account opened and the rest are closed accounts. I explained that you can't apply closed accounts to my utilization and they are about to fall off my report. They had me back and forth on the phone and then I gave them all my info they said that I am not verified. I said I just spoke 2 agents completely fine. I am writing to occ to make a complaint because I am tired of the abuse from these people. The banks are depending on them to report accurate information. That is experian grave responsibility. I need this fixed immediately. I'm not looking for 60 day to be fixed. They already did not follow up with a dispute when I called in. I enclosed all the accounts that they are reporting and only one is open which is correct and they can see I only have XXXX  account open. The rest attached are closed ad they should.
Consumer complaint received 2023-03-17
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)

I asked the credit bureaus to verify the following accounts but after sending in a letter of dispute, they still failed to verify the said accounts. 

In accordance with the Fair Credit Reporting act, XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX ) Account number : XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2020-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

My TransUnion XXXX XXXX was XXXX as of XX/XX/2020. On XX/XX/2020, my credit score dropped XXXX points to XXXX for no reason. The ONLY changes that took place to my credit report were the removal of several hard inquiries. When Transunion removed the unauthorized credit inquiries, my credit score should have increased, not dropped.