davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-18
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. (CA)

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 any purpose FDCPA 80 . False misleading information FDCPA 8012 furnishing deceptive forms must remove/correct late payments under XXXX XXXX act. XXXXXXXX XXXX XXXXXXXX Balance Owed : {$660.00}, XXXX XXXX Balance Owed : {$350000.00}
Consumer complaint received 2024-03-17
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. (ND)

The Credit Agency concluded that my account was properly investigated but how is that possible when the open date, date last active, date of last payment, high credit, past due are inaccurate.? This is grounds for removal. They also violated my rights under 15 US C 1681 section 602 A. States I have the right to privacy : 15 US 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 2023-01-18
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. (FL)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

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 2023-01-18
Product: Vehicle loan or lease — Lease
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: World Omni Financial Corp. (FL)

I entered into a lease with SE Toyota Finance in XXXX, 2021. It was explained to me that when I took the car from the dealership, I was paying the down payment, first month 's payment, and taxes/Insurance/Plates. I signed up for auto pay shortly thereafter. NOT ONCE did I receive a call, a courtesy reminder, an update, an email, a text, nothing to notify me that there was a delay or issue with my payment. Every payment was made on my account. In XXXX, 2021 I received a credit monitoring notification that my account had been reported 30 days late. I was certain that this was a mistake, because again, I was on auto payment, all of my payments had been deducted from my account, and I never received any kind of notification from SE Toyota Finance that there was an issue with my new lease. I called them immediately, disputed the information, received response that payment in XXXX was not made. I called again, spoke with an agent, per his instructions, I sent proof that payment for XXXX was made. Agent placed me on hold for a while, came back to tell me that the fist payment in XXXX was not made??? Again, no call, no email, no text, nothing. A 30 day late in XXXX, this is a mistake. 
I have contacted credit agencies, unfortunately SE Toyota Finance responds that the reporting is accurate. I have called numerous times, no resolution. I have even gone to a local branch, no resolution. I have not made a late payment, this company is not listening or cooperating. This has been a burden for me for over a year and a half. I feel that my rights have been violated and ask that they truly investigate and delete that negative mark they placed on my credit report. This is my first experience with this company, unfortunately as I have been treated thus far, it will be my last. Inaccurate information to be placed on my report without investigating, without an alert, without communicating with me is a violation of my rights.
Consumer complaint received 2022-02-24
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (MI)

I do not consent to any of the following closed accounts and Inquiries being reported on my consumer report for Experian, block and remove them. XXXX XXXX XXXXXXXX, balance {$510.00}, opened XXXX, XXXX XXXX XXXX balance {$0.00}, opened XXXX. XXXX XXXX XXXX balance $ XXXX. XXXX XXXX XXXX, balance {$1300.00}, opened XXXX.
Consumer complaint received 2023-01-18
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY (NC)

I had an account several years ago. I don't remember the dates, maybe XXXX. I was charged several NSF fees and even if I had money in the account to cover at least XXXX or XXXX bills that were due to be paid, Wells Fargo would take the NSF fees from the larger bills and by the time the fees were taken, I could not pay any bills. It put me in the negative several times. I had to close the account
Consumer complaint received 2021-12-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION (FL)

A charge of XXXX from XXXX XXXX # XXXX Was found on my debit checking account I have not made a purchase through XXXX XXXX 
My name is XXXX XXXX XXXX My checking account number isXXXX I have been trying to contact the Fraud departments I have been placed on hold over 1 hour I have locked my debit card
Consumer complaint received 2024-03-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My name is XXXX XXXX XXXX, and I am writing this statement on my own behalf. Per the FRCA, the below accounts should not be furnished on my report. These reports are in VIOLATION of 15 US code 1681-B : the permissible purpose of consumer reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer to whom it relates. I NEVER GAVE this consumer my instruction or written consent to report anything on my report, which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. I am demanding removal of the following accounts and inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-18
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. (PA)

To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit Information.

15 USC 1681e ( b ) Compliance and procedures ( b ) ACCURACY OF REPOR. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

You as a consumer reporting agency must exercise your grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy and to maintain maximum possible accuracy to consumer reports, right now I am letting you know the reporting of this item below is inaccurate and must be deleted. 

XXXX ( XXXX ) This company XXXX is reporting a false charge off to my consumer report, they openly admitted that there was no XXXX form file and its not a charge-off in their system, so how are you reporting it as a charge off account? did you even verify the XXXX form before putting this as a charge off on my credit report?? XXXX starting to question your verification process!!! Do you think you are above the FRCA with reporting inaccurate and false information? I demand this account get removed immediately. 

XXXX XXXX federal law, you have XXXX ( XXXX ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( XXXX ) days of the completion of your re-investigation. 

ATTACHED IS XXXX ADMITTING THEY DID NOT FILE A XXXX FOR THIS ACCOUNT I AM NOT A CREDIT REPAIR COMPANY
Consumer complaint received 2023-12-04
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. (MI)

I am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. 
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 2023-01-18
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION (CT)

I'm contacting the cfpb in regard to a car loan. I purchased a XXXX scion with 41,000 miles through XXXX XXXX. I was making payments in the amount of XXXX however in XXXX, I couldn't afford the car payments due to gunshot injuries. They told me the car was 18,000, I later found out the car was more than that. They also charged me 18.99 percent, their finance charge XXXX total cost of the car XXXX which is unbelievable. The car had no equity, the loan was up side down to start and the apr rate is beyond Connecticut 's law. This is a clear case of predatory lending which violate the laws here in Connecticut. The lending practice in my case imposes unfair and abusive loan terms on borrowers, including high-interest rates, high fees, and terms that strip me the borrower of equity. I did not understand the terms of this agreement when i bought this car. I had no knowledge of the APR. The salesman was trying to make a sale by any means necessary. Paying XXXX for a XXXX car is crazy. The lender violated local or federal laws, including the Truth in Lending Act ( TILA ) by approving such loans with these terms. Credit Acceptance is currently being sued by New York Attorney general and the CFPB for this very thing. In the state of Connecticut an auto loan APR can not exceed 12 % pursuant to Section 36a-573 of the Banking Law of Connecticut, no person is authorized to charge, contract or receive any interest or consideration greater than 12 percent per annum upon the loan, use or forbearance of money, or credit of the amount or value.
Consumer complaint received 2020-01-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

On Friday, XX/XX/2020, I found that a {$9200.00} check was deleted from a commercial deposit by the bank with explanation. I went to the XXXX, GA Bank of America branch to attempt to resolve the issue. While researching the issue, a banking associate placed me on the phone with an account closing specialist who told me that management had reviewed my relationship and decided to close al personal and business accounts. Debit and credit cards were cut off immediately. I was given two weeks to move my relationships, at which time al funds would be frozen until they got around to sending me checks toward the end of XXXX. 

My personal accounts had been open for more than 25 years. My business accounts were all over five years old, one was fifteen years old. 

After all that time, I was given two weeks to move eight highly active accounts. Eleven debit/credit cards were cancelled immediately, with no notice. 

The specialist refused to give me an explanation and stated that I had no recourse. The whole thing was unconscionable. She said that written notices were in the mail, but they provided no information.
Consumer complaint received 2023-01-18
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CAPITAL ONE FINANCIAL CORPORATION (IN)

Me and my husband had XXXX, there was a reduction in our income and we fell behind on all our debts. I contacted Kohls repeatedly trying to set up affordable payment arrangements and the only option they will offer is pay {$140.00} a month and I can't afford that amount. They said I can pay whatever I can afford which I told them {$60.00} a month. They said the late fees and interest will still accrue but at least there will be activity on my account. I have been trying to get a payment plan since XX/XX/XXXX XXXX
Consumer complaint received 2020-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AmeriHome Mortgage Company, LLC (NJ)

My mortgage company AmeriHome Mortgage XXXX My loan number is XXXX. I have an payment transaction dispute in of which cause my credit to take a dive, and I could not understand why my score was so low. I just paid of a home and all my cards paid down. I was recently discovered while pulling my report AmeriHome was the cause. They reported incorrect information of 30 and 60 day late payments. They claim my payment for XXXX was not received. I never knew this and continue paying XXXX, XXXX and XXXX as normal. unbeknown I was continuing a 30 day late since XXXX. I provide transaction trace number from my bank for them to verify and correct my Credit ASAP. I am getting the run around when calling to get status. 
Its my suspicion this company is performing this unfair practice. 
I have tried some time ago to began a refinance for the townhome to remove PMI, and go conventional. To my surprise I was unable to. I would like to see this company investigated since I was told by the phone rep this happens many times. They seem to have a practice of doing this. As you know this would stall any refinance or change of servicer. I pay my bills on time each month. I need restoration this has cause me problems relocating to NC and how I found out when trying to obtain a Home to live.
Consumer complaint received 2023-01-18
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: Experian Information Solutions Inc. (CA)

The status is incorrect for the following accounts, public record and inquiries listed in my report are unauthorized and fraudulent. 
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 2022-02-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (CA)

I got an email this afternoon from Credence Resource Management , LLC, and they had sent me a fraud packet that I cant even access. I think they may have emailed the wrong person or are trying to collect debt that I dont even owe.
Consumer complaint received 2023-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (WA)

I have specifically asked XXXX, Equifax, and transunion to delete all information that is not correct. I have requested that they only have my legal name ( XXXX XXXX ) my legal address ( XXXX XXXX XXXX, XXXX XXXX, WA XXXX ) and my legal date of birth ( XX/XX/1981 ) There seems to be multiple different names, and different addresses on my credit report. They have not removed them, and it is not legal to have the incorrect information. 

Thank you for taking care of this. 

XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-17
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: EQUIFAX, INC. (IL)

I have contacted the court and they verified that they do not report bankruptcy to you all therefore this information is not verifiable and must be removed. it's clear they do not report to you XXXX, XXXX or Equifax or to any Credit Bureau for that matter therefore your Original response verifying the item with the court was either a lie or an error either way the reporting requirement Do Not Comply with FCRA and FTC laws and the be deleted immediately.
Consumer complaint received 2022-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (NC)

Equifax : I can not access my report on no webiste, not XXXX XXXX, equifax or XXXX. I have contacted them several times and still no resolve. Everyone that answers does not seem to understanding my concern. Once I log in my profile is completely blank! 

XXXX : I have cancelled my subscription 8 months ago and they continue to charge me. I have called serveral times. Today I called on hold for 35 mins someone picks up and stated they were the manager on duty today, this is the first person to pick up. My response was thank you for being management I have a problem and he hung up. I called back on the be on hold for an hour no answers and yet I have {$260.00} worth of charges for services I cancelled.
Consumer complaint received 2022-06-14
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. (MD)

I would like to state that credit bureau is in violation of 15 USC 1681B ( 2 ) which states that a consumer reporting agency may furnish a consumer report in accordance with the written instructions of the consumer. I, the consumer never gave any credit bureau written contest to report anything on my consumer report. No consent is identity theft. These accounts are being illegally furnished on my consumer report.
Consumer complaint received 2023-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: John C. Heath, Attorney at Law, PLLC (PA)

I have been trying to cancel Lexington Law since XX/XX/ when I realized the payment was not what i discussed with customer service on the phone. I have paid a total of {$710.00} since with absolutely no luck in cancelling. 

Their online chat/text program does not work at all and I never receive a response. I have mailed a total of 8 signed letters to John C. Heath , Attorney at Law , PLLC, d/b/a Lexington Law Firm, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Utah XXXX with no response. I have also called customer service several times and they tell me the service is cancelled, however, i continue to be billed every month.
Consumer complaint received 2023-01-17
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. (NC)

Hard inquiries on my credit report I don't recognize. 

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 2020-01-17
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)

THE DIPSUTED ACCOUNTS NEED TO BE PURGED OFF MY CREDIT FILE, THOSE ACCOUNTS LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS MADE BY ME. THE ACCOUNTS ARE INACCURATELY PLACED AND I WOULD LOVE THEM TO BE REMOVED OFF MY CREDIT FILE.
Consumer complaint received 2023-06-07
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. (FL)

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate items in my report : 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 2023-05-22
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. (TX)

In accordance with fair credit report act, XXXX account # XXXX, XXXX XXXX account # XXXXXXXX XXXX  account # XXXX, Texas Attorney General Office account # XXXX. Texas Attorney General Office account # XXXX, has violated my rights. 

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

15 U.S.C. 1681 Section 604A Section 2 It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

I paid off my XXXX financial auto loan in XX/XX/XXXX. 
This event caused my XXXX FICO score to go down XXXX points. My Experian FICO score to go down XXXX points. My XXXX FICO score to go down XXXX points. 
How long will Fair Issac Company be allowed sell a product that is unexplained, unbelievable, contrary to common sense, and damaging to ALL Americans. 
XXXX, Experian, and XXXX are all partners in this fraud. 
Please use your authority to fix this XXXX on the country.