davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-08
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Carvana Group, LLC (TX)

I purchased a XXXX XXXX XXXX XXXX XXXX in XXXX of XXXX and the vehicle was involved in a car accident on XX/XX/XXXX. On XX/XX/XXXX, the insurance company deemed the car to be a total loss. During the payoff process the insurance company advised that the finance company did not have the correct Title Work for the vehicle. There was a misprint regarding the mileage along with the car being registered in the state of Arizona. The car should have been registered in the state of Texas. Due to the misprint the insurance company XXXX XXXX ) stated that they would not be able to pay off the car due to the inaccuracy of the title. The finance company ( XXXX ) encouraged me to contact Carvana to have the issue resolved regarding the title. The process began XX/XX/XXXX and was updated XX/XX/XXXX, along with the license plates being received by mail on XX/XX/XXXX. I contacted the insurance company to proceed with getting the car paid off and was informed that a title search had to be completed before sending a payoff check to the finance company. I was advised that a payoff check could not be established due to the car being registered to an unknown third party. I have been working with Carvana for several months with this ongoing issue without any success. My credit has been impacted tremendously, when creditors review my credit they will think that my ability to repay is unsatisfactory. At this point I am asking that Carvana assumes ALL responsibility regarding this total loss. The State Law of Texas mandates that car dealers or finance companies to register the title to a purchaser within 20days of the purchase. Failure to do so subjects them to liability under the dealer licensing laws and if title is not conveyed, to civil liability to a buyer. It is a deceptive trade practice to sell a car to which you do not have title.
Consumer complaint received 2019-03-29
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA (CA)

I leased 3 cars from KIA and bought a forth car buying out the lease. I have previously complained to CFPB about KIA FINANCE and their predatory lending procedures. They never asked me for pay stubs to confirm my income, and had me sign several bill of sale contracts after purchase with force threatening me with police. This last car KIA XXXX with loan number XXXX with traded in. I don't why is it reporting as a charge off. After purchasing a fourth car, I can not understand how a finance company is allowed to take advantage of it's consumers. 

This charge off now is affecting my licensing and my livelihood 15 years in my career as a licensed mortgage originator. I have never missed payments before. I am attaching the letter from the state regulator for my licensing.
Consumer complaint received 2022-03-08
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. (GA)

On XX/XX/2021, I sent a letter requesting the removal of unauthorized inquiries on my report which I do not recognize. From Transunion, I didn't even receive a response concerning these inquiries at all nor were these inquiries removed which is damaging to my reputation and credit report. From the other two, they didn't do anything to remove them at all. This shows that our information can be requested and distributed without our permission. This isn't how it should be ... no privacy anymore.
Consumer complaint received 2020-04-22
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: Resurgent Capital Services L.P. (AL)

This company is reporting to my credit report. I have never done any business with this company and I do not owe them any money. After my own investigation, they bought an account from a company that was created with my stolen identity. They are erroneously reporting to my account. Delete this account from my credit report in accordance with FCRA 605 ( b ).
Consumer complaint received 2019-03-29
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: JPMORGAN CHASE & CO. (PA)

Hi, for the past 4 months I've been going back and forth the credit reporting agencies regarding these accounts in question and the reason for this is because I know that these accounts are being reported incorrectly. Under the Fair Credit Reporting Act ( 609 ) it is my right to challenge any account in my credit if I believe they are being reported inaccurate, unverifiable or incomplete. I believe they are and some of them have been corrected on some of the bureaus and some have not. I would like to make this complaint to show the level of urgency I have towards this matter. If you can please help I would really appreciate it. These accounts have to be deleted since they are holding my credit scores back and I'm looking to use my credit soon to make a major purchase. Thanks! 
ACCOUNT NAME : XXXX XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : ONLY XXXX. 
ACCOUNT NAME : XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX AND XXXX. 
ACCOUNT NAME : CHASE CARD, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX, XXXX, AND XXXX. 
ACCOUNT NAME : XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX. 
ACCOUNT NAME : XXXX, XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX , XXXX  AND XXXX . 
ACCOUNT NAME : XXXX. XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX , XXXX , AND XXXX . 
ACCOUNT NAME : XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, REPORTING ON : ONLY XXXX. 
ACCOUNT NAME : XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX AND XXXX. 
ACCOUNT NAME : XXXX XXXX XXXX, ORIGINAL CREDITOR : XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX, XXXX AND XXXX. 
ACCOUNT NAME : XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING DATE : XXXX.
Consumer complaint received 2019-01-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo appears to have fraudulently manufactured my mothers loan Documents after the merger date of XX/XX/XXXX with XXXX XXXX. Page 1 at the bottom shows the date of XX/XX/XXXX, but the number 8 appears to be altered, with page 6 of the loan documents it's showing a date of XX/XX/XXXX at the bottom of the page and also the notary seal has been whited out. There's also a mark that appears to look like a period symbol on my mother 's living trust signature which was done inadvertently by her possibly touching the pinhead on the paper and leaving an ink mark, I believe the Wells Fargo note that was provided to me by Wells Fargo has that mark slightly higher and I have numerous signatures of my mother on various documents and checks none of them having that mark near the C, which leads me to believe the signature was traced from the living trust I provided Wells Fargo.Also, on XX/XX/XXXX. XXXX XXXX XXXX at the age of XXXX was given a pick a payment predatory loan which had a staggering aggregate principal balance secured by the deed of {$140000.00} which was 125 % of the original loan balance of {$110000.00}, for a XXXX-year-old woman on a fixed income. Current
Consumer complaint received 2019-01-08
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: I.C. System, Inc. (NJ)

While checking report today, I saw that there was a derogatory condition for collections on my credit report and I started to get details from my bank and finally got to speak to the debt collector named I C SYSTEM INC. When I called them to inquire about the reporting condition, I was told that its a medical bill from my doctors visit on XX/XX/XXXX, I asked them if they tried calling me or send any mail. The lady over the phone was skeptical to give those details, she put call on hold 3-4 times and she stated that they sent a mail in XX/XX/XXXX, she initially mentioned that the mail got back to them. I have no recollection about the letter for collections being sent to my home address. 
The lady also told me after further investigation from her end that they tried calling me twice, but they did not leave any voicemails, everything seems sketchy to me. I feel that I am a victim of I C SYSTEM Inc 's negligence and lack of responsibility in collecting the right way and they just reported my credit stating I am not responding or paying the amount ( {$91.00} ). I have asked them to mail me the statement or charges from the doctors office, for which the lady said she doesnot have it and she has to request it. I dont understand how they can collect when they dont have details of collection. 

I have made the payment today to get out of the situation.
Consumer complaint received 2019-01-08
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. (IL)

There are two collection accounts from XXXX and XXXX XXXX XXXX. XXXX has confirmed my account with them is in good standing and I have never used XXXX XXXX XXXX for anything. There is also a Minnesota address on my credit report, but I have never lived there or even been there in 20 years. Neither XXXX  nor Equifax will rwmove this fraudulent information.
Consumer complaint received 2018-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION (WI)

I sent all three credit bureaus a certified letter, requesting an investigation in to this hard inquiry from capital one on XX/XX/18. It has been well over 90 days and they have never responded back. This has cause me a great hardship in my life as well as stress and has caused my credit score to drop drastically which has led to me being denied credit and home loans. The three bureaus have violated the FCRA, laws that are in place to protect the consumers. They're suppose to report accurate information and they have a responsibility to respond to all consumers within a timely manner.
Consumer complaint received 2018-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (WI)

I sent all three credit bureaus a certified letter to have this hard inquiry investigated and removed from.my credit reports. This hard inquiry from XXXX XXXX  XX/XX/18 has contributed to my hardship, stress as well as I've been denied credit and home loans because my credit score has dropped drastically due to this hard inquiry being on my reports. The three credit bureaus have violated the FCRA laws that protect consumers. They are suppose to report only accurate information and respond to dispute from consumers in a timely manner. They never responded to my requests. And it has been well over 90 days.
Consumer complaint received 2015-07-16
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

Last fall I sought assistance from Bank of America regarding mortgage modification.After there represenatives did not allow me to speak with a modification specialist until they insisted I make payment arrangements on my past due account.Which is documented.Then without discussion came the most ludicrous offer of modified terms that sole aim was to place borrower in a note that only sought to lower payments by extending out the term and place a useristic above average intrest rate which inundated and buried the borrower in intrest payments and did not provide a realistic scenario for aggressive principle paydown.If bank of America is calling this assistance to homeowners its is aggregious!! /It is counter productive to long term homeowner preservation.I was told by XXXX I better take it, if you do n't Bank of America will foreclose.i said no and appealed they offered me another modification over the winter that was better but they told mne they would not offer another.i stated I will sign but only in anticipation of my wife receiving social security benefits which she did not. I made one payment and realized this can not be sustained long term.negotiations before and since have been contentious.i am a sole wage earner and a XXXX XXXX ( XXXX ) FOR OVER XXXX YEARS.Standard XXXX XXXX modification modelswork off gross pay .I have a unique payroll situation where I have significant mandatory deductions.For instance 11 % per pay for retirement including hefty health ins premium, union dues, etc.i come home with half my gross pay. XXXX per week net!! .I need a mortgage payment closer to 33 % or {$1000.00} per month including principle, intrest, escrows.I am not about to be constantly harassed by Bank of America.people have saved there homes over lesser circumstances.The modifications and assistance is applied very unevenenly.I am not about to lose my home by a clerks calculations and over a few dollars because of some obscure guidline or loophole..it is well known Bank of Americas 's violations towards homeowners .They continue to perpetrate and apply there unscrupulous bully tactics.i need your assistance in receiving a fair and equitable modification of my mortgage that realistically reflects my ability to pay.I have numerous correspondence on file .Bank of America fights you at every turn.This is not fair.I PLEASE ASSIST
Consumer complaint received 2019-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BARCLAYS BANK DELAWARE (CA)

My complaint is against Barclays bank. What happen here is that Barclays bank is reporting a 30-day late payment this happen in XXXX 2019. The 30-day late payment is for annual fee which I was not aware I had to pay. On XXXX statement it said that I have a past due of {$40.00} because of an annual fee. First Barclays bank was supposed to be making auto payments regarding my account ( XXXX ). Second, I have a {$30000.00} credit limit with Barclays which I dont even use so that means it was not a money issue but a bank error. Third it is an annual fee which I was not even aware I was paying. I was aware of this incident because I was informed by my mortgage company telling me that I was no longer approved for a $ XXXX home loan, which is to close next week. Otherwise I will lose my {$15000.00} deposit for the property.
Consumer complaint received 2019-03-29
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. (LA)

Equifax and XXXX  are reporting incorrectly that I am 120 days past due on the DPTED/XXXX partial account numbers are listed in the spreadsheet attached this complaint. ( Please also reference the following pages on the attached credit report : 8, 9, 10, 11, 12, 13, 14, 15, 16, 30, 31, 32, 33 and 34. ) These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to I1. This incorrect reporting is harming my credit scores. Keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. 

Equifax and XXXX is reporting incorrectly that I am 120 days past due on the XXXX partial account numbers are listed in the spreadsheet attached this complaint. ( Please reference pages 40 42 of the attached credit report ). These accounts reports a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to I1. This incorrect reporting is harming my credit scores. Keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. 


Equifax is reporting incorrectly that I am 120 days past due on the XXXX - partial account numbers are listed in the spreadsheet attached this complaint. ( Please see pages 43 AND 44 of the attached credit report ). These accounts reports a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to I1. This incorrect reporting is harming my credit scores. Keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Consumer complaint received 2022-03-03
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: Experian Information Solutions Inc. (NV)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2019-04-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: American Collection Systems, Inc. (TX)

Someone who had been using my personal indentifying information obtain loans and goods in my name.I already sent American collection systems in XXXX Wyoming a letter from my attorney, as well as a police report and ftc report.they originally removed it from XXXX and XXXX as they are supposed to by law.last week I noticed the same {$540.00} collection on my XXXX credit report! it's is from XXXX XXXX.i never have done business with this place, nor do I live where loan was even taken out. My social security number is XXXX
Consumer complaint received 2021-04-12
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. (MA)

Equifax has failed to report two credit card accounts, XXXX XXXX and XXXX. When I log into myEquifax online, these accounts are non existent thus no credit score is showing. When I speak with Equifax they claim they are showing the accounts on their side and when they send me a copy of my credit report, the accounts are showing. My credit report via online should be showing these accounts as well as my credit score. I also can not see my Equifax credit report thru XXXX  's online credit reporting service as well as XXXX XXXX 's online credit report service. To date, I do not know my Equifax credit score.
Consumer complaint received 2022-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bridgecrest Acceptance Corporation (FL)

Bridgecrest is inaccurately reporting that my account was 30 days past due. I spoke with them and they were not able to explain how the 30 days are past due ( a payment was made before the 30 day time frame ) XXXX
Consumer complaint received 2024-03-01
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. (NY)

I wish to contest a derogatory item present on my credit report that I believe to be inaccurate, untrue, incomplete, untimely, and potentially not even associated with my responsibility. Upon thorough examination of my report, I have identified numerous errors and inaccuracies being reported. I kindly request that you carefully review and rectify any and all of these discrepancies, ensuring they adhere to the standards of truthfulness, accuracy, completeness, timeliness, ownership responsibility, FCRA compliance, Metro 2 Format compliance, and any other relevant regulatory requirements governing reporting obligations. 

The following disputed information represents allegations that lack sufficient proof of validity and compliance. I insist that you promptly remove these entries from my report. I expect this action to be taken without delay. Below is a list of the contested information : [ Include list of disputed items ] Listed below are the Personal Information that are being challenged Incorrect DOB : - XXXX Incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX NY XXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX NOTICE FOR REMOVAL OF INQUIRY REQUEST : According to Section 604 of US CODE 15 USC 1681 et seq. , it is clearly stated that any entity requesting access to a consumer 's credit report must have a lawfully acquired and permissible purpose as outlined by the Fair Credit Reporting Act ( FCRA ). We demand to know if you and/or any other reporting party have provable and demonstrated lawful permissible purpose ( s ) for obtaining my credit report profile or any portion thereof. You must provide physically verifiable proof of this lawful permissible purpose, even if I have not authorized the inquiry or have no knowledge of it. Failure to provide such proof means that you must remove any inquiry reporting related to the event ( s ) in question. I am challenging you to demonstrate your mandatorily submitted permissible purpose proofs, and I hereby demand that you delete any such alleged inquiry reporting upon your failure to do so in a timely manner, whether willfully or due to your reckless ignorance.

I am concerned about potential harm caused by mixed or merged information, deviously reported inaccuracies such as status and activity dates, and balance and remark questions. These can directly affect my credit score, credit to balance ratio, debt to income ratio, and my ability to present my true creditworthiness for major loans such as for a vehicle, home, employment, etc.