davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-03
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. (CA)

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The data I am questioning connects with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-09-02
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: PORTFOLIO RECOVERY ASSOCIATES INC (UT)

Portfolio Recovery reported they ceased all reporting to the credit bureaus but I have verified with XXXX XXXX and XXXX customer services they are still reporting this debt to these credit bureaus and there is NO REQUEST from PRA for removal. They have provided false statements to the CFPB.
Consumer complaint received 2020-07-24
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: Yamaha Motor Finance Corporation USA (GA)

I got a loan from XXXX XXXX for XXXX in XX/XX/XXXX, I made payments with XX/XX/XXXX until XX/XX/XXXX, then the account was given to Yamaha financing on XX/XX/XXXX. These payments were being made with my checking account bill pay service, each week I made 2 payments of {$90.00} dollars, so for the months of XXXX and XXXX I made a total of 18 payments totaling {$1600.00}. Some how Yamaha financing only received 8 payments in XXXX and 2 in XXXX, I now have a balance of {$100.00} dollars left on the account which shouldve already been paid off in XXXX. Ive called them numerous times explaining Ive already paid them, Ive provided them with copies of my bank statements as per their request for XXXX and XXXX showing the dates of the payments transaction numbers and the amount that was paid. They refused on numerous occasions to contact my bank and confirm proof of payment, and keep insisting I must pay the {$100.00} dollars in order to get my title. Its been months and They still cant tell me where my money went too, I keep getting the run around, I spoke with supervisors XXXX and XXXX and got nowhere just lies about the matter being investigated, when asked if they confirmed the payments with the bank the question is avoided. At this point I want my money back from the loan with the interest paid and any fees and the {$800.00} that was over paid to them. They broke the contractual agreement I signed, I paid for a product that they refused to turn over ownership, I just want my money back they can pick up the motorcycle, its been 4 months of lies and deception.
Consumer complaint received 2022-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Vehicle Solutions Corp (DE)

In accordance with the fair credit Reporting act XXXX XXXX # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section XXXX : 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 4185 account under an open end consumer credit plan as late for and purpose
Consumer complaint received 2022-10-15
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: CREDIT ACCEPTANCE CORPORATION (AZ)

In accordance with the fair credit reporting act 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 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 any purpose
Consumer complaint received 2023-03-14
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. (PA)

My name is XXXX XXXX XXXX. I am a victim of identity theft. I filed an FTC report. and notified the XXXX, XXXX, and Equifax about the fraudulent accounts. I sent the information via certified mail.
Consumer complaint received 2022-05-03
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)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX, XXXX AND TRANSUNION Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681XXXX within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : ( XXXX XXXXXXXX XXXX Balance {$0.00} ; XXXX XXXX XXXXXXXX Balance {$0.00} ; XXXX XXXX XXXXXXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$5200.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$20000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$270.00} ; XXXX XXXX XXXX XXXX XXXX Balance {$38000.00} ; XXXX XXXX XXXX XXXX XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX Balance {$3300.00} ; XXXX XXXXXXXX XXXX {$7500.00} ; XXXX XXXX XXXX XXXX Balance {$140.00} ; XXXX XXXX  XXXX Balance {$78.00} )
Consumer complaint received 2023-01-03
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. (CA)

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The data I am questioning connects with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-08-11
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)

n accordance with the fair credit reporting act XXXX XXXX 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 XXXX XXXX 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 2018-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BB&T CORPORATION (FL)

XX/XX/XXXX purchased a new XXXX XXXX XXXX from XXXX XXXX XXXX XXXX XXXX. They have been doing fraudulent sales tactics and they messed up on the original bill of sales to include my XXXX trade in from XXXX XXXX. I signed paperwork that has XXXX taking Power of Attorney over my trade in. They haven't sent XXXX XXXX the payoff check. I sent in the paperwork to XXXX XXXX showing I traded in the car but they keep harassing me. I'm not responsible for the car. Matter of fact, XXXX is under investigation by the XXXX and Florida XXXX XXXX. They have purposely with held the additional paperwork from XXXX XXXX because XXXX will not refinance the Journey to include the negative equity from the XXXX. That's why XXXX hasn't sent the money to XXXX XXXX. XXXX has doctored up fake application numbers and denial letters. I have a letter from XXXX XXXX congratulating me on my purchase from XXXX XXXX XXXX XXXX XXXX. XXXX has stolen my car from my work and they no longer own the car.
Consumer complaint received 2021-03-30
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My student loans  are with XXXX. I have always made my payments on time. For whatever reason, there are late payments on my credit reports. As you can see in the letters I attached, I've always had great payment history with these accounts, then it randomly shows XXXX  days late the next month after on-time payments. This simply isn't possible. I tried contacting XXXX, TransUnion, and XXXX, but none of them have responded to my request. I have highlighted the clear errors in their reporting in my attachments.
Consumer complaint received 2020-01-28
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: TD BANK US HOLDING COMPANY (TX)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2022-05-03
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022, and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. KINDLY UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-03-13
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: GREAT LAKES (FL)

I DENY I owe XXXX XXXX XXXX for this alleged debt. Please see attachment that explains my position. My response to XXXX XXXX XXXX was sent Registered Mail on XX/XX/2018.
Consumer complaint received 2023-01-03
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I reviewed my Consumer Reports and noticed that I had late payments on accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with XXXX XXXX. I have never been late on payments for the accounts : XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX Balance : {$2900.00}
Consumer complaint received 2018-11-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NV)

This is my third complaint regarding USAA. There was a balance transfer to my account that should never have happened. There were fees charged by USAA. Eventually USAA reversed the bogus balance transfer. However they made duplicate corrections and reversals for fees and interest that resulted in a balance due of {$69.00}. The account balance should be XXXX. But, because of USAA 's incompetence and posting of duplicate charges and reversals, they show a balance due. I closed my USAA account because of their incompetence.
Consumer complaint received 2021-11-29
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. (PA)

This is XXXX XXXX XXXX who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. 
Upon reviewing my updates, incorrect information about my inquiries was found in my Credit Reports. The Transunion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Here are the concerned Inquiry : XXXX XXXX Inquiry Date : XXXX XXXX, XXXX  XXXXXXXX XXXX Inquiry Date : XX/XX/2020 XXXX
Consumer complaint received 2022-05-03
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. (TX)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The EXPERIAN, XXXX AND XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681XXXX within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX XXXX Balance {$0.00} ; XXXX XXXX XXXXXXXX Balance {$0.00} ; XXXX XXXX XXXXXXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX  XXXX XXXX {$5200.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$20000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$270.00} ; XXXX XXXX XXXX XXXX XXXX Balance {$38000.00} ; XXXX XXXX XXXX XXXX XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance {$3300.00} ; XXXX XXXXXXXX XXXX {$7500.00} ; XXXX XXXX XXXX XXXXXXXX Balance {$140.00} ; XXXX XXXX XXXX Balance {$78.00} )
Consumer complaint received 2019-09-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIRST HAWAIIAN, INC. (HI)

This is in regard to a letter I received from XXXX XXXX XXXX on XX/XX/2019, dated XX/XX/2019. The letter states that my deposits are not in accordance with First Hawaiian Bank rules and regulations and that we have decided to close your account. I talked to XXXX on XX/XX/2019, at XXXX XXXX and was told my account has unlimited deposits for the checking account I have with First Hawaiian Bank. XXXX XXXX only sent a letter that I included in the file upload with no explanation about what account deposits are not in accordance with First Hawaiian Bank rules and regulations. I never heard of someone's account being closed for making deposits. I have been making the same deposits with First Hawaiian Bank going on three years and really would like to know what changed on XX/XX/2019. I included my bank account statements for the last three years. I hope this would help XXXX XXXX explain exactly what deposits are not in accordance, this is a first for me. I was giving to XX/XX/2019, to either close my account or XXXX XXXX will do it on the bank 's behalf.
Consumer complaint received 2022-05-03
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. (OH)

Upon reviewing my credit file, incorrect information was found in my reports. The XXXX and TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, XXXX5 USC Sections 1681XXXX, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  : {$140.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX XXXX XXXX {$110.00}
Consumer complaint received 2021-06-25
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Santander Consumer USA Holdings Inc. (NY)

My name is XXXX XXXX My social security number is XXXX I have a auto loan with Santander consumer USA I ask consumer service for a extensions for XXXX reason for extension was that I was affected from covid and I can make my payment the next month. But they didn't care and said they couldn't help me
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (VA)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


I told XXXX, XXXX, and Equifax to reinvestigate this account : XXXX XXXX Account : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-05-03
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

Upon reviewing my credit file, incorrect information were found in my reports. The XXXX, Experian, and XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681XXXX, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports XXXX XXXX OF XXXX XXXX XXXX Balance {$10000.00} Date opened XX/XX/2018 XXXX XXXX OF XXXX XXXX XXXX Balance {$4200.00} Date opened XX/XX/2018 ; CALIFORNIA XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$10000.00} Date opened XX/XX/2018 ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance {$4200.00} Date opened XX/XX/2018 ; XXXX XXXX XXXX XXXX Balance {$4200.00} Date opened XX/XX/2018 ; XXXX XXXX XXXX XXXX Balance {$10000.00} Date opened XX/XX/2018 2018
Consumer complaint received 2022-05-03
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)

Upon reviewing my credit file, incorrect information were found in my reports. The XXXX, Experian, and XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681XXXX, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX. CALIFORNIA XXXX XXXX Inquired on XX/XX/XXXX XXXX CREDIT XXXX XXXX XXXX on XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX XXXX on XXXX XXXX, XXXX XXXX. XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX. XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX on XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX. XXXX XXXX Inquired on XX/XX/XXXX XXXX. XXXX Inquired XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX. LA XXXX CARS XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX
Consumer complaint received 2018-07-30
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: CITIBANK, N.A. (NY)

After writing to Citibank regarding a Best Buy Account that was closed, I received a letter dated XX/XX/2018 from XXXX XXXX at the executive response unit that indicated they were opening a dispute with the credit reporting agencies. That was more than 30 days plus the XXXX days for mailing that they are allowed. 

The FCRA states that there is 30 days plus five days for mailing in order to complete the investigation. The FCRA also states that the consumer should be notified in writing the results of the dispute. At this time I have not received a notification of the dispute and the information has not been verified within the thirty day time period and at this time must be deleted pursuant to the FCRA.