davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-27
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: Riverwalk Financial Corporation (TN)

After disputing XXXX XXXX XXXX and provide supporting documents to XXXX, XXXX refuses to delete the collection account from my credit report. After filing a complaint against XXXX XXXX XXXX with CFPB, XXXX XXXX XXXX agreed to have the collection account deleted from my XXXX credit report. I have provide XXXX with a copy of XXXX XXXX XXXX deletion letter via XXXX document upload web site. XXXX stated they had received the deletion letter. XXXX stated that XXXX XXXX XXXX normally doesn't include an AUD control number on a deletion letter. XXXX  stated that XXXX needed to provide their XXXX rep with the AUD control number.
Consumer complaint received 2023-07-26
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: CL Holdings LLC (TX)

I received a letter on XX/XX/2023 from Jefferson Capital Systems , LLC about an alleged debt from XXXX. This account is in litigation with XXXX XXXX at this time. 

Pursuant 15 USC 1681a ( d ) ( 1 ) -you do not have and written or oral consent to furnish this alleged debt. Jefferson Capital Systems is violating my rights as a consumer and doesn't have permission to furnish this alleged debt.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Reporting incorrect information on my credit report as well as fraudulent information such as payment history, account opening dates, account paying dates, and unauthorized reporting. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801. 15 USC 1681 section 604 ( a ) section ( 2 ) ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies TransUnion, XXXX, and XXXX do not have my consent to furnish this information and they surely do not have my written consent. 15 USC 6802 ( b ) ( c ) " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless- the consumer is given an explanation of how the consumer can exercise that nondisclosure option. Im opting out of any and all monthly reports as they did not have my authorization to report. According to the Fair Credit Reporting Act 15 USC 1681 section 602 ( a ) " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy.
Consumer complaint received 2021-10-22
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CAPITAL ONE FINANCIAL CORPORATION (AL)

Im am elderly retired XXXX. I traded an old XXXX for a newer model at XXXX XXXX here in XXXX. They made me wait 10 hours and then come back next day to close. They tacked on a {$2500.00} warranty solution to the sale. And {$490.00} for a document fee. The warranty I assumed was for 3 years but it was only for 3 months. Then they gave me a 15 % interest rate with capital one. I am just coming out of bankruptcy another year and half. But still this is outrageous to treat an disabled elderly women like this. At the most they should pay me back the fraudulent warranty solution. And the interest rate is discriminatory capital one gave me.
Consumer complaint received 2018-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (AL)

i was pulled my credit report and came across this hard inquiry that you applied to my credit report XXXX XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing This inquiry could stay on your report untilXX/XX/XXXX. 
See an error? 
Find out how to dispute a hard inquiry Institution Information No contact information has been reported by this creditor. 
this is a copy from my credit report i have contacted you about this and you told me you have no information on me because i dont have an account with you and i would like this removed off my credit report because i did not give you my permission to run my credit and it was not suppose to be run/checked without my authorization
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have sent multiple letters to this company regarding reporting derogatory items on my credit report. In accordance with the fair credit reporting act the credit bureaus has violated my rights.

15 USC 1681 Section 602 states I have a right to privacy.

15 USC 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions. I did not give written consent or permission.

15 USC 1666B states a creditor may not treat a payment on credit card account under an open end consumer credit plan as late for purpose ( XXXX XXXX XXXX account ).
Consumer complaint received 2022-06-15
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. (GA)

Your company is reporting late payments to my consumer report for an account with US DEPT OF ED. This is a direct violation of the FCRA. 15 USC 1681 ( 2 ) ( a ) ( i ) clearly states the definition of a consumer report and what is excluded from a consumer report. ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; IF TRANSACTIONS AND EXPERIENCES ARE EXCLUDED FROM MY CONSUMER REPORT WHY ARE YOU REPORTING LATE PAYMENTS ( transactions ) ON MY CONSUMER REPORT?
Consumer complaint received 2020-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I contacted each of the credit bureaus to discuss an account that had been paid related to a collections that was showing on my credit reports for XXXX XXXX XX/XX/XXXX Not only did I provide proof that the collection account had been paid in XX/XX/2020, and was considered closed, but the collection company was somehow allowed to publish inaccurate information on my credit reports for the month of XXXX, stating that the account was seriously past due? Rather than update my account to reflect a paid status, the collections agency instead updated my credit reports with a consumer disputes account status instead, even after countless emails and phone calls to get the company to properly update my reports. If it is this easy for collections agencies to place inaccurate debt on your credit reports, then how does any of the requirements set forth in the FCRA actually protect consumers? How is this collection agency allowed to report a PAID account as being past due, AFTER it has been paid, and there is undeniable proof that the debt was paid? This is beyond unacceptable and I demand that my credit reports be updated to an accurate status and removal of this account.
Consumer complaint received 2018-04-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Phillips & Cohen Associates, Ltd. (OH)

I tried to call XXXX XXXX because I notices this fradulent account and they didn't discuss it with me then sent me to thier debt collector who doesn't have the information I wanted.i never opened this account.
Consumer complaint received 2022-06-15
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NC)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2022-06-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (CO)

I bank with Chime, unfortunately, but not for much longer after this experience. 

Sunday, XX/XX/XXXX, I woke up at about XXXX. I immediately saw that there were 5 new charges on my card. 

XXXX XXXX on XX/XX/XXXX : {$100.00} XXXX XXXX on XX/XX/XXXX : {$30.00} XXXX XXXX XXXX XX/XX/XXXX : {$65.00} XXXX XXXX  XXXX on XX/XX/XXXX : {$4.00} XXXX XXXX  XXXX on XX/XX/XXXX : {$4.00} I immediately cancelled my card and called Chime while I was looking for my purse. My car 's passenger door was just slightly open ( I guess I had left my purse in the car after carrying in groceries the day prior ). My purse also had my roommate 's card in it so I could grab them something the day prior. They charged my roommate 's card for a couple XXXX as well. Chime said, on the XXXX, that these transactions were still pending so they couldn't do anything. It was frustrating, but okay, you know? What could I do. 

XX/XX/XXXX the charges finally cleared. My roommate and I both disputed the charges immediately and received an email saying they would investigate. Less than an hour later, I got a denial. I called to figure out WHAT in the world would cause a denial, as they sent absolutely no information as to why. I called to let them know I had a police report, I needed this reopen. A simple investigation would show that what I'm saying is the truth. I even sent them the police report when they agreed to reopen it. I immediately received a denial again and they said they would send me documents as to why within 10 days ( 10 days??? ) My roommate, however, was immediately given a temporary credit and her investigation is still ongoing. She never filed a police report. She never even had to call them.
Consumer complaint received 2019-03-24
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ProCollect, Inc. (LA)

I was contacted in XX/XX/XXXX and the cryptic representative would not reveal what he was actually calling for but because I was hesitant to converse with him, a stranger, he THREATENED to DESTROY my credit and rental history. My consumer rights were violated. FDCPA 15 USC 1692 ( e ) 7 states that a creditor can not threaten to 'disgrace ' a consumer in any way. The collector agent that called accused me of REFUSAL to pay. I never refused to pay anything, nor did I validate whatever the debt supposedly is. Accusing me of refusing payment is a form of coercive abuse prohibited in 15 USC 1692 ( d ) 2.
Consumer complaint received 2018-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

XXXXXXXX XXXX  will not answer me for validating the correct amount shown for a debt they claim I owe. In XX/XX/2011I purchased a ring and they sent a letter after a few missed payments stating my account was closed and I needed to pay {$120.00}. This debt is reporting open with XXXX, with no amount, but closed on XXXX  and Equifax with a balance of XXXX. I've recently reached out to the creditor to take care of the balance and was advised that I owe them XXXX dollars as this debt is still open and incurring charges. I've tried to file a complaint with consumer financial after not being able to resolve the matter with XXXX XXXX XXXX myself. You guys sent it back two days later saying you couldnt locate them. If they're not going to report accurate information nor be listed accurate contact information then I am asking the Bureau 's to now intervene. This debt is not following FRCA laws and I need a resolution Immediately. This is preventing me from buying my first home and is causing me havoc.
Consumer complaint received 2022-06-15
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: R & B Corporation of Virginia (VA)

In XX/XX/XXXX XXXX sent a request for approval of services to my insurance with XXXX  and was approved but NEVER sent the bill to them. XXXX is trying to get me to pay for the service after only my primary insurance ( XXXX XXXX  ) paid some of the bill. I called XXXX in XX/XX/XXXX asking why was my bill not sent to XXXX. They didnt have an answer and said they would send it to them and that the debt collection will be removed from my credit report, but it has not. It came back as correct when I disputed it with the credit bureaus. And its for {$750.00}.
Consumer complaint received 2023-07-25
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CREDIT ACCEPTANCE CORPORATION (AL)

When I very first got the vehicle the car dealer did it electronically the car was worth XXXX and some odd dollars I paid a XXXX dollars down. Once I got the contract they was charge me XXXX dollars for a 63 month period the car had XXXX miles when purchased they ripping me off monthly payment is XXXX monthly this ridiculous on a used car with high mileage. I have the lady on record who I talked with
Consumer complaint received 2024-02-29
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: EQUIFAX, INC. (LA)

The account detailed in tbe attachments isnt mine. XXXX just completed an investigation of this account and results had it removed. 

The credit XXXX account this account is tied to never existed cause I cought it immediately notifying them I didnt open this account which is why there no documentation showing the card was ever mailed out when I search accounts tied to my social with them.
Consumer complaint received 2022-06-15
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. (FL)

n accordance with the fair credit reporting act XXXX XXXX account # XXXX has violated my rights to privacy. 

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.
Consumer complaint received 2022-06-15
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 XXXX XXXX account # XXXX has violated my rights to privacy. 

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.
Consumer complaint received 2020-11-06
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. (TX)

These 2 accounts are not mine. My brother had stolen my information and left me with the damages. Please remove it. I am not a mortgage company or a credit repair company. Please remove it. I have supplied you with my personal information. Thanks.
Consumer complaint received 2022-07-21
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. (FL)

In accordance with the Fair Credit Reporting act XXXX, XXXX XXXX XXXX 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
Consumer complaint received 2021-05-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY (CA)

Amex has been advertising monthly {$30.00} XXXX credit between XXXX and XXXX for Platinum cards. To qualify for their monthly promotional offer, I used my Platinum card to purchase gas through XXXX at XXXX. However, when I talked to them regarding the fact that I didn't get my credit for XXXX and XXXX, they told me that my XXXX spend at XXXX doesn't qualify for the offer as my purchase are considered as " Person to Person payments ''. This doesn't make any sense as I am making a purchase at XXXX rather than sending money to a person. 
Their T & C is vague on the definition of " Person to Person payments '' and my spend at XXXX should not be considered as " Person to Person payments ''
Consumer complaint received 2021-03-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (NH)

I refinanced my residence with XX/XX/XXXXin the spring of 2020. I had set my payments up to coincide with my payroll so that I was making 26 full payments a year as I'm trying to get the loan paid down as quickly as possible to retire in a few years. 
XXXX sold my mortgage servicing to PHH.

I researched payment methods available at PHH and they do not provide an option to sync your mortgage payments with your payroll frequency. The best they can do is have you sign up for two specific dates during the month which will become out of sync with your payroll and eventually result in over drafting of you checking or the ACH Debit being returned for inadequate funds. 
In any event this is to the detriment to the consumer. 

It does not seem appropriate that a mortgage can be sold to another servicer if the new servicer can not provide the same level of service as originally provided. If this has an adverse impact on the consumer the consumer should be able to require the original servicer maintain the servicing.
Consumer complaint received 2023-06-28
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. (SC)

To Whom It May Concern, I am writing to dispute the following information in my file. I recently received a copy of my credit report. The credit report showed credit inquiries that I dont recall authorizing. I understand that you shouldn't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit.

The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order The following credit inquiries are related to none of the aforementioned permissible XXXX. Validate Account XXXX XXXX Account Number : XXXX Please investigate and remove the late payment. 

XXXX. Validate Account XXXX XXXX Account Number : XXXX Please investigate and remove the late payment. 

XXXX. Identity Theft XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Identity Theft XXXX XXXX XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Identity Theft XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX. Identity Theft XXXX Account Number : XXXX Please remove it from my credit report. 


Please remove these inquiries from my credit report immediately. I have enclosed a copy of my identification card as proof of my identity. 

Thank you for your help and assistance. 

Sincerely, XXXX XXXX
Consumer complaint received 2019-11-18
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Aqua Finance, Inc. (TX)

On XX/XX/2017 I purchased an XXXX water treatment system at a cost of {$6600.00} from an XXXX salesperson. I paid {$3300.00} from my credit card and the remaining {$3300.00} was financed through Aqua Finance Inc. The loan was offered at 0 % interest rate if paid in full within 12 months of the initiation of the loan. On XX/XX/2017, I created an autopay schedule at a rate of {$270.00} per month so that the loan gets paid in full within12 months. The electronic system of the Aqua Finance Inc. did not accept or confirm this autopay for $ XXXXmonth. But I assumed this was accepted by the system as it was shown on the screen after submission. Unfortunately, I have lost the screenshot of that page.

Afterwards, Aqua Finance has been charging the minimum amount due, {$83.00}, each month which I did not have noticed due to my assumption that it was getting paid in full within 12 months. As a result, I have been charged 15.78 % on the initial amount of {$3300.00} for 2 years. The total interest that Aqua Finance is claiming is {$1000.00}. Had my autopay been accepted by their system, I would not have to pay any interest at all. 

I think their system is designed to reject payments that are scheduled to avoid interest charges. I hope the CFPB will involve an expert IT auditor to investigate their system so that customers like myself are not victimized in future.
Consumer complaint received 2020-01-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc. (NY)

Online information services inc put a collection on my credit report from a utility company. I have not ever had a account with XXXX XXXX XXXX XXXX in over 15 years and I believe this is an error. Been trying to reach them but they never answer the phone
Consumer complaint received 2022-06-15
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)

In accordance with the Fair Council Reporting Act, these following account numbers have violated my rights : # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX. 

15 U.S.C 1681 section 602 A. states that I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2. states a consumer reporting agency can not furnish an account without my written instructions.