davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-20
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: American First Finance, Inc. (MD)

This account reported to the credit bureau late 30 to 60 days. when this account was open i was old this was not a credit base account. the creditor did not notify me that my account was not current. this account was placed on autopay in which a receipt was sent monthly stating that the bill was paid. No phone calls or letters that stated otherwise. I attempted to call multiple times to resolve the issue with no help just being passed on from one person to another. This matter has caused serious mental distress being as though am due to settle on a home in the next two weeks. I've been told this matter will correct itself and there's nothing more that can be done. in accordance with Fair credit reporting act XXXX  account ( XXXX XXXX XXXX XXXX  ) and American first finance has violated my rights. 15 U.S.C 1681 section 602 A states the right to privacy. 15 U.S.C 1681 section 604 A It also states that a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ALLY FINANCIAL INC. (CA)

When I checked my credit report several auto loan places showed up on it last year which prevented me from renting a XXXX XXXX  XXXX XXXX I had submitted info to both the company and XXXX and nothing was done and no response and I requested a response and proof of my signature. 


Auto Financing Companies Contact info Ally Financial Address XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX
Consumer complaint received 2024-02-26
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. (TX)

Dear CFPB, I am writing to express my deep concern and frustration upon discovering that XXXX and XXXX have reinserted previously deleted accounts on my credit file, mirroring the inaccuracies reported by Equifax. This situation is profoundly unfair and highlights a troubling tolerance for inaccuracies within their reporting system. 

I was taken aback to find out that the once-deleted accounts are now reappearing on my credit reports without any prior notification or explanation from these bureaus. This lack of transparency and failure to communicate with their verification process is not only unsettling but also puts me at a significant disadvantage as a consumer. 

I strongly believe that the continued inclusion of these reinserted accounts is unfair, biased, and perpetuates discrepancies on my credit report. I insist on being informed of these bureau 's verification process and the rationale behind reinserting previously deleted accounts. Transparency in these procedures is crucial to maintaining trust and ensuring the accuracy of consumer credit reports. 

I request the prompt deletion of these unfair and biased discrepancies from my credit report to restore accuracy and fairness to my credit profile. It is my right as a consumer to have accurate and reliable information reflected in my credit report, and I trust that you will take swift action to rectify this situation. 

I appreciate your immediate attention to this matter and expect a timely resolution.
Consumer complaint received 2019-03-22
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (FL)

At or around XX/XX/XXXX I was laid off from a union company and fell behind on my auto payment. I called my lender and received a XXXX month deferment. However the auto loan became 124 days delinquent XX/XX/XXXX. I did not become employed again until sometime mid XX/XX/XXXX, around this time the car was repossessed. I contacted my lender and informed them I had just begun work and was able to pay the delinquent amount. XX/XX/XXXX I paid them {$1600.00} to cover the money owed. They sent a release to the repo company and I went and picked up the vehicle. Some time had passed before I noticed that the vehicle loan had been closed on my credit report however I was still making payments to the lender, I still had access to my account on their website. I am still able to log into my auto loan online account and make payments with my account showing current. I disputed this via XXXX XXXX  and XXXX recently and my lender disputed my claim that the account is still open and current. I contacted my lender Santander Consumer USA, they informed me that the day my car was repossessed they transferred the debt to their Debt collection department. I was told by them ; since they are a bank and an auto lender, they dont sell the debt to a third party. When I paid the delinquent money I was never informed of this. To my knowledge they are not reporting my monthly payments and have continued to report my account as charged off for over {$10000.00} every month. I believe this is unethical, potentially illegal and its preventing me from increasing my credit score ; which is effecting my finances. I am still in  possession of the vehicle and continue to make payments that reflect negatively on my credit report.
Consumer complaint received 2018-04-24
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: United Collection Bureau, Inc. (OH)

I had received a medical bill from XXXX XXXX hospital, service date XX/XX/XXXX for {$2700.00}, It had been sent to United Collection Bureau Inc. XX/XX/XXXX.ref #  XXXX. I had set up a payment plan with them starting XX/XX/XXXX, of at minimum $ XXXX/mo. paid XX/XX/XXXX- {$100.00}. XX/XX/XXXX- {$100.00}, XX/XX/XXXX- {$100.00}. XX/XX/XXXX- {$100.00}. XX/XX/XXXX- {$100.00}. XX/XX/XXXX- {$100.00}. XX/XX/XXXX- {$100.00}. XX/XX/XXXX- {$100.00}. 1XX/XX/XXXX- {$100.00}. XX/XX/XXXX- {$100.00}. XX/XX/XXXX- {$200.00}. XX/XX/XXXX- {$100.00}. XX/XX/XXXX- {$100.00}. XX/XX/XXXX- {$100.00}. XX/XX/XXXX- not written down?, XX/XX/XXXX- {$100.00}. XX/XX/XXXX- {$100.00}. 8/18- {$100.00}. XX/XX/XXXX- {$100.00}. XX/XX/XXXX- {$100.00}. XX/XX/XXXX- {$100.00}. XX/XX/XXXX- {$100.00}. XX/XX/XXXX- {$100.00}. XX/XX/XXXX- {$50.00} XX/XX/XXXX- {$100.00}. XX/XX/XXXX- {$100.00} & {$50.00}. 
for my last payment of {$79.00} I was no longer able to pay this account online. said i needed to call to re-register. so i called the number and they told me the account was no longer with them it had been sent to an attorney. (? ) they said they could not discuss the account with me or the schedule of payments that had been made. gave me the number for the attorney, XXXX, XXXX, XXXX XXXX XXXX. the person i spoke with there said they had just received the file XX/XX/XXXX- 2 days before my due date. and to pay online or over the phone there would be an additional fee. also stated there was an additional account with them for me from a radiology company for {$230.00}. I have no idea what this would be. she also gave me the file # to reference when sending a payment, File # XXXX. 
But my complaint is that i had been paying on this as well as 5 other medical facility bills and with the last payment they transfer it to another company so it will be again reported on my credit as a new account. when i had been paying and ready to pay off- for one i had no notice written or otherwise that this was going to be transferred or i would have paid it off prior to the transfer. I am sure this happens a lot to others as well and it is not a fair thing to do when a consumer is actually trying to do the right thing in paying their debt. I am familiar with the credit bureau rating on these accounts as i watch my credit often. And a newly reported collection does not fair well on ones credit report/scores. it is bad enough that once it is reported and you start paying on it your credit takes a hit every month just because there is activity on a collection account. but to have these companies transferring the debt all the time to report as new debt is not a Fair or right thing to be doing. I appreciate your assistance in resolving this issue. I would be able to pay the debt if they would stop adding additional fees, and transferring it to places without notice.
Consumer complaint received 2022-07-21
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. (MS)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2018-12-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (PA)

On XX/XX/2018 I called XXXX XXXX XXXX XXXX and requested my Experian and XXXX  credit reports both of which I am entitled to free.It is now XX/XX/2018 and I have received neither. I called the above given number to check on the status of mailing of these reports and there was no such function.
Consumer complaint received 2018-04-24
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. (CT)

XX/XX/XXXX-XXXX hard inquiry XX/XX/XXXX-XXXX hard inquiry Both are on my report, having been told they will be there for 2 years when it wasn't me, I was a victim of idenity theft though no balance ever occured, no loss of funds were obsessed by me, therefore was told by my local police Department no report was required.
Consumer complaint received 2018-12-11
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: Clarity Services (KS)

The paragraph below was emailed to the following listed and had no response. 

XXXX XXXX XXXX XXXX I was notified XX/XX/2018 that Clarity Services Inc. by XXXX had done a hard inquiry on that date causing my credit score to decrease greatly. XX/XX/2018 I called Clarity who told me they were one of the major credit bureaus acquired by XXXX, in which Clarity gained my confidential information through XXXX upon the purchase last year. Clarity gave no explanation as to why they pulled my credit or no further details of what the company 's business was. When calling XXXX right after, the representative and supervisor stated they had no knowledge of Clarity Services Inc., and all they could do was place a fraud alert on my account. Clarity 's continuous inquiries have effected my credit score tremendously and XXXX  ' breach and decieption has put the consumer at risk once again and in my particular case prolonging my ability to purchase my first home. Upon much research I have also been made aware that Clarity is behind many mail and phone scams, by having knowledge of the individuals identity, such as d.o.b., S.S., address, ect., knowledge of the debt a individual owes, and therefore are able to replicate the creditor and request the correct amount. This is a broad serious federal matter and should be investigated by the highest division of authority.
Consumer complaint received 2022-01-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2018-12-11
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (CA)

I opened a loan with Springleaf financial in XXXX at the XXXX XXXX Branch on XXXX XXXX califonia the payments were XXXX for four years the loan was to mature on XX/XX/XXXX I made several late pmnts however their was period of time where payments got lost especially in XXXX when Springleaf sold to one main financial I had a gentleman XXXX XXXX re amortize and fix my loan and they said my loan would be paid in full XX/XX/XXXX as per the agreement In XX/XX/XXXX they told me the loan matured but I still owed XXXX because of all the payments going to interest I have tried to resolve and no luck They then forced me into my first 30 day delinquency in over a year by demanding I set up post dated checks when the date came and I needed to change the date by one day they wouldn't let me and instead forced me into a bounced check and fees and now they dinged my credit report I dint think I will ever get this loan paid off I have aid them XXXX as of date
Consumer complaint received 2018-04-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

The company, Capital One, reported to you that the issue had been resolved in my complaint, that is not true. They told me a refund would be issued for interest fees and over charges. Complaint # XXXX initial complaint.. I trusted they would do what they said, but have spoken to XXXX XXXX several times now and have been given every excuse in the book as to why I have not received my money. I don't get interest on the money that they owe me, but they sure found a way to charge me. Am playing the waiting game for my funds, if it were me doing this to them I would be in collections already. I just want MY MONEY RETURNED and to be done with this company and the way they do business. My opinion, they need to be investigated to see how many others are put through this when wanting to close an account. I have cut up and returned both credit cards and should no longer receive a statement from Capital One. It truly can't be this hard to issue a refund in form of a check mailed to me. 
PLEASE HELP ME WITH THIS COMPANY!
Consumer complaint received 2018-12-11
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (OR)

I have been trying to get answers from this company for a long time. I wanted an audit on my account they refuse to do it. I had to start my own spreadsheet which is about 20 pages long to find out some of the problems which they have never ever completely resolved. The one I am writing about now is critical as it relates to my payment on my mortgage that was modified. I was sent to escrow statement of a shortage in XX/XX/2018. I had already been trying to get other issues related to escrow resolved that have still never been resolved for two years. This particular escrow statement has three pages. On the first page it discusses my current escrow balance is {$310.00} and it says to keep up with the expense of my insurance and taxes it Hass to go up to {$340.00}. The difference is around {$31.00} per month however on the first page, they want to charge me {$31.00} per month over 60 months that comes to a figure of {$1800.00} and the original escrow amount is only {$530.00}. On the second page of the statement it has the correct figures over 60 months being only {$8.00} per month. They have not corrected it they have build me {$31.00} per month for the last going on for statements and refuse to correct it. I want this corrected but they drag me on and on I have spoken to so many people in email format on the phone and in voicemails heres a list I spoke to XXXX XXXX in their executive office multiple times XX/XX/XXXX I spoke to XXXX XXXX a personal banker in a local office or emailed him XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. I was able to get a hold of an executive in the XXXX XXXX office I emailed her XXXX XXXX Several times XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX. I also contacted supervisor in the Mediation department XXXX XXXX I included her in several of the emails I sent to XXXX. I spoke with XXXX XXXX on XX/XX/XXXX. I talked with XXXX on XX/XX/XXXX she was going to give XXXX XXXX a message. I received a letter dated XX/XX/XXXX from XXXX XXXX not resolving the problem glossing over it. I started working with another representative XXXX XXXX, I have talk to her last Friday. Ive left her a voice message on XX/XX/XXXX XX/XX/XXXX and I called and spoke to a XXXX today on XX/XX/XXXX I spoke to a XXXX on XX/XX/XXXX and I spoke to a supervisor by the name of XXXX on XX/XX/XXXX. This is only one of the problems I am dealing with they have been skimming from my account for years with the PMI required insurance on an FHA. They would take it out of my escrow and take it out of my payments. This particular problem is easy to fix but nobody seems to want to fix it they would rather foreclose on my home.
Consumer complaint received 2018-12-11
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: Waypoint Resource Group, LLC (CA)

Creditor Information WAYPOINT RESOURCE GROUP XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX The above company has a collection on my credit reports and I have disputed it. It has been over 30 days and the credit bureaus have not given me a response. This is not my account and the account was opened fraudulently.
Consumer complaint received 2022-11-30
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (DE)

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 8 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/20XXXX XXXX
Consumer complaint received 2019-03-22
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Conduent Incorporated (CA)

I have been having an issue with XXXX refunding the amount of {$770.00} back to my account after a few unauthorized transactions were made from XX/XX/XXXX through XX/XX/2018. XXXX did not complete thorough investigation with the transactions history and the use of my card. There were three fraudulent transactions that were approved on my account to XXXX on XX/XX/2018 in the amount of {$370.00}, XX/XX/2018 in the amount of {$32.00} and XX/XX/2018 in the amount of {$360.00}. I sent in all my information and police report of the identity theft incident that occurred. Please help me in getting my money back for I have been dealing with this coming up on a year. If there is anything else that is needed please contact me by phone or email. 

Thank you,
Consumer complaint received 2022-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions 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. This is a medical bill due to XXXX. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-06-14
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. (NC)

The following addresses are wrong. 

XXXX XXXX XXXX XXXX XXXX, IN XXXX Date Reported XX/XX/XXXX Other Address XXXX XXXX XXXX XXXX XXXX, IN XXXX Date Reported XX/XX/XXXX Other Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX Date Reported XX/XX/XXXX Other Address XXXX XXXX XXXX XXXX XXXX, IN XXXX Date Reported XX/XX/XXXX Other Address XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2019-03-22
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. (VA)

I was in the market for a home last year. There is usually a grace period of 45 to 60 days where your credit is being pulled to compare rates and offers with multiple lenders. The point is to not have every individual hard pull affect your credit score This was not the case for me, in some reports I have about 7 to 9 hard  inquiries all within this span that should not have counted as individual checks on credit. 

I want to have these removed and the negative hit fixed from my credit report