davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-13
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: U.S. BANCORP (CA)

I'm filing a complaint regarding an auto loan payoff with US Bank, specifically surrounding the lack of communication, the inconsistent information provided by US Bank reps, and the timeframe it has taken to close out my account and obtain a lien release. 

On XX/XX/2021, I called US Bank to inquire about my auto loan payoff as I needed to sell my vehicle. The rep I spoke to informed me it would take up to XXXX business days to process the lien release after payoff. I proceeded to pay off the loan on XX/XX/2021. 

After not receiving the lien release nor hearing anything from US Bank, I called on XX/XX/2021 ( XXXX business days after payoff ) for a status update. I was now informed that my loan account was still open and the lien release wouldn't be processed until account closure, which the rep informed me would occur on XX/XX/2021, the date of my statement closure. From then, I was told it would be another XXXX business days for the lien release to process, information that was inconsistent from what the 1st rep I spoke to. 

Today, on XX/XX/2021, upon checking my account online, I no longer had access to my monthly statements. I again called US Bank to inquire about the missing statements and for the payoff status. The rep I spoke to, XXXX, explained the account just closed on XX/XX/2021, and that it would now take XXXX business days for the lien release to be processed, not including mailing time. She indicated the timeframe for payoffs is XXXX business days from the time of payment ( XXXX business days to process payment XXXX business days to close the account + XXXX business days to process lien release XXXX mail time ). 

I am beyond frustrated with US Bank, and being unable to sell my car despite paying off my loan over XXXX weeks ago. See below for my questions : 1. Why did I receive XXXX different responses from the XXXX different reps I spoke to? 
2. Why does it take XXXX calendar weeks to process an auto loan payoff when other lenders do so in less than half the time? 
3. Why are all my loan statements no longer available on my online account? 
4. Why have I not received any communication, written or verbal, from US Bank confirming my payoff or providing a timeframe on the lien release?
Consumer complaint received 2021-12-13
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CARRINGTON MORTGAGE SERVICES, LLC (TX)

I am the consumer that extended the credit according to XXXX XXXX XXXX. Carrington Mortgage has failed to verify or validate the alleged debt owed upon my request. Carrington is also a third party company that received my personal information without authorized consent and has committed fraud and Identity theft. Initial discovery of this information was XX/XX/2021. The original alleged mortgage amount is {$70000.00}. The approximate alleged amount owed is {$31000.00}.
Consumer complaint received 2021-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I wrote a letter to Transunion on XX/XX/XXXX, asking them to remove any old addresses, employers, and any old personal information from my credit file, and they did. I also asked them to verify the accuracy of a public record, and to delete it. They recently sent me a new credit report, but they did not remove the information that was asked of them.
Consumer complaint received 2019-06-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc. (AZ)

I have repeatedly try to dispute this false collection on my credit report. The company refuses to take this off my report even though I do have a receipt in hand from my apartment complex showing I did pay the specified amount of {$260.00} on Move Out. This should have never been put on my credit report, and having an receipt should be enough to remove the collection from my report.
Consumer complaint received 2022-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION (MS)

Accounts balances are incorrect, and some accounts are outdated past 7 years. Accounts are being sold to other collection agency and still showing on my credit report, when it should not be on my credit report. Dates, balances and late payment status is incorrect. When I dispute the info that is incorrect, it's never resolved.
Consumer complaint received 2021-12-13
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)

XXXX account, XXXX XXXX XXXX inquiry dated XX/XX/2021 and XXXX inquiry dated XX/XX/2021. 

Civil liability for willful noncompliance of Deletion, VIOLATIONS, DELETIONS TO CONSUMER REPORT 15 u.s.c. 1681a and 15 USC 1681 ( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( 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 XXXX XXXX XXXX XXXX ( XXXX ) Privacy Notice 15 USC 1692 K and 15 USC 1640 Civil liability 15 U.S. Code 1681 N ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ;. ( B ) Civil liability for knowing noncompliance. Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater.

15 U.S. Code 1681n - Civil liability for willful noncompliance. 15 U.S.C. 1681o - U.S. Code - Unannotated Title 15. Commerce and Trade 1681o. Civil liability for negligent noncompliance. 15 U.S. Code 1640 - Civil liability. Delete account from consumer report immediately.
Consumer complaint received 2021-05-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

A letter was sent on XX/XX/2021 addressed to Transunion requesting a free credit report. However, Transunion failed to provide the report by mail. 

I have attached proof of letter sent to Transunion requesting the report. 
I have attached ID as proof of address and identification A letter was sent on XX/XX/2021 addressed to XXXX requesting a free credit report. However, XXXX failed to provide the report by mail. 

I have attached proof of letter sent to XXXX requesting the report. 
I have attached ID as proof of address and identification A letter was sent on XX/XX/2021 addressed to XXXX requesting a free credit report. However, XXXX failed to provide the report by mail. 

I have attached proof of letter sent to XXXX requesting the report. 
I have attached ID as proof of address and identification
Consumer complaint received 2021-12-13
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)

XXXX account, XXXX XXXX XXXX inquiry dated XX/XX/2021 and XXXX inquiry dated XX/XX/2021. 

Civil liability for willful noncompliance of Deletion, VIOLATIONS, DELETIONS TO CONSUMER REPORT XXXX XXXX. XXXX and XXXX XXXX XXXX ( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section XXXX of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report XXXX XXXX XXXX XXXX ( XXXX ) Privacy Notice XXXX XXXX XXXX XXXX and XXXX XXXX XXXX Civil liability XXXX XXXX Code XXXX XXXX ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ;. ( B ) Civil liability for knowing noncompliance. Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. 
XXXX XXXX XXXX XXXX - Civil liability for willful noncompliance. XXXX XXXX. XXXX - XXXX XXXX - Unannotated Title XXXX. Commerce and Trade XXXX. Civil liability for negligent noncompliance. XXXX XXXX XXXX XXXX - XXXX liability. Delete account from consumer report immediately.
Consumer complaint received 2015-11-11
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC. (TX)

I disputed XXXX erroneous accounts that were reporting on my credit file with Equifax. Instead of sending me the results of those XXXX accounts, they sent a long list in " reviewed inquiry information '' which I did not request to be reviewed. They have had over 45 days to answer the investigation and yet they have not done so.
Consumer complaint received 2022-07-06
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (CA)

Hi, i was an old customer of Wells Fargo when they over charged people for account and fees. now, 5 years after i closed my account they sent me a payment back for all the wrong fees they charged me. 

BUT, i am no longer have a business and this check is on my business account. 
they stole my money and now they don't want to send me a check back on my name. they are asking to fill out many documents and spend maybe 5 more hours of my life to send them more info ... and then it will take them 45 days to send it. 

they have my personal information on the business account and can send me the check easily. i have no time to work for them. as it is they stole my money. i work and have no time to deal with a fraud bank again!
Consumer complaint received 2022-07-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (FL)

TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report.

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2021-12-13
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, 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 account listed below is still reporting on my credit report in violation of federal law. The TransUnion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i 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 account completely from my Credit Reports : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX A ) XXXX {$920.00}
Consumer complaint received 2022-07-06
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. (VA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-05-10
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Onity Group Inc. (WY)

I have filed a complaint against XXXX to which they replied in a complete wrong. I have provided them with taxes, hardship letter, divorce, quick claim deed AND a new application. Just yesterday they sent me a letter asking for this information. They did not include a request for the quick claim deed ( Which I sent XX/XX/XXXX. ) They are asking for information over and over from my ex-husband who should have been taken off the loan/mortgage. IF they are behind in paperwork they can own that. BUT looking at dates and timelines. I sent them a divorce decree XXXX XXXX, XXXX. This process began in XXXX in my name. XXXX XXXX. 
I would aslo like to add a PS that this company did charge over {$5000.00} in past legal fees as well as attempted to foreclose on this house in XXXX. Although they claim to want to help people it is my experience that they bully and torment clients to the point of exhaustion and come in for the kill. 

At this point again XXXX they are ashing me for yet again a new stat on the paperwork.
Consumer complaint received 2018-07-09
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. (TN)

Transunion is again refusing to update my XXXX XXXX XXXX Credit card statement account monthly as it it is reported by the creditor. Transunion has not updated this account since XX/XX/2018.
Consumer complaint received 2016-01-28
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC. (TX)

There are excessive inquiries by the banks for an unknown reason. 


1. XXXX- There has been an inquiry every month since XXXX, 2015. 
2. XXXX XXXX XXXX inquiries to date These should be removed. I have XXXX XXXX XXXX credit cards and only should have XXXX inquiries. 

Can you please remove the excessive inquiries as no permission was obtained? 

thank you,
Consumer complaint received 2021-12-13
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. (MS)

XXXX XXXX XXXX is claiming I owe {$670.00} and XXXX XXXX claiming {$670.00}. They also falsely place information my credit report. Be advised, this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. 
This is not a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your office provide me with competent evidence that I have any legal obligation to pay you. 
Please provide me with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account ; Show me that you are licensed to collect in my state ; and Provide me with your license numbers and Registered Agent.
Consumer complaint received 2021-12-13
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. (PA)

I did not consent to this UNFAIR and INACCURATE information to be reported to MY Consumer report. Please remove! Pursuant to 15 usc 1681B ( a ) ( 2 ). Reports must be in accordance with Consumer
Consumer complaint received 2021-12-13
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. (NM)

In the previous letters I have requested the investigation of the elements that do not coincide and the elimination of them, taking into account the fair credit law, which states that I have the right to be informed of the status of my account and the report of the accounts must be 100 % accurate
Consumer complaint received 2022-07-06
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: Experian Information Solutions Inc. (NY)

Im sending this complaint to inform your depatment that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report attach a copy of the identity theft report ( FTC report XXXX : XXXX ) ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
The following accounts/items need to be removed as they are fraudulent. 

XXXX XXXX XXXX XXXX, NY XXXX, XXXX CARD XXXX, XXXX CARD XXXX, XXXX CARD XXXX
Consumer complaint received 2021-12-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA (NC)

XX/XX/XXXX To Whom It May Concern : I am writing this letter in regards to payments made on my federal student loans which should qualify under the public service loan forgiveness program. 

From XX/XX/XXXX through XX/XX/XXXX I was in repayment which was the income based repayment plan. On XX/XX/XXXX it states that I was in forbearance, but then was placed back in repayment which again would ( or should ) have been the income based repayment plan on XX/XX/XXXX. This continued through XX/XX/XXXX. All loans should have been on income based  repayment from XXXX. Due to low  income at the time this generated a monthly balance of {$0.00} during this time. There were no changes in loans or employment during this time period and so these loans should have remained under the same umbrella of the income based repayment plan. 

On XX/XX/XXXX the loans were placed in forbearance when all student  loans were placed in forbearance due to the pandemic. From XX/XX/XXXX through XX/XX/XXXX documentation has been submitted for a qualifying employer and these dates continue to state that they were ineligible under the public service loan forgiveness program. 

The months from XX/XX/XXXX through XX/XX/XXXX I did not receive a W-2 from a 501c3 organization, but did all of my work for a 501c3 organization. I understand this may disqualify those months, however, due to the pandemic and significant need for health care workers during that time it would seem that if work was being done at a qualifying institution and performing qualifying duties that these months should qualify as well. 

I have contacted the FedLoans program several times over the past six months regarding these issues and have not seen any of this information updated to reflect the above changes. I have included some information below, but please let me know if more detailed information is needed. 

While the Public Service Loan Forgiveness program was not in effect until XXXX, I have been committed to working for non-profit organizations and have been passionate and committed to serving the underserved populations since the year XXXX. It is my hope that the above can be corrected in a timely fashion and that the time I have served be recognized appropriately. Thank you for your assistance in this matter.
Consumer complaint received 2021-12-13
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. (PA)

I did not consent to this UNFAIR and INACCURATE information to be reported to MY Consumer report. Please remove! Pursuant to 15 usc 1681B ( a ) ( 2 ). Reports must be in accordance with Consumer
Consumer complaint received 2023-08-16
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. (CA)

CFPB COmplaint what happened In accordance with the Fair Credit Reporting Act XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 15 U.S.C. 1681 section 602 ( a ) ( 4 ) : States I have the right to privacy. 15 U.S.C. 1681b 604 ( a ) ( 2 ) : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

The following information is incorrect Name : XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX Employment info : XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXX, Ga XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX