davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: U.S. BANCORP (NC)

Recently, I noticed that I am starting to receive collection mails from banks. I called and asked what is going on, and I was told that there are several accounts opened last year with my information. I told them that I have never submitted any types of application to their companies. They asked my address, email address, phone number, social security number, date of birth, and name. Surprisingly, Some of cards mailed to my business addresses, and some of them were mailed to my home in the state of GA. However, I never received those cards before. I travel from state to state for my business, so I couldn't check my mailbox everyday. Maybe someone got access to my mailbox and took the card after they applied for it. But that does not mean that I am responsible for these cards ' payments and outstanding balances. I already informed what is happening, and I also submitted FTC report to XXXX, XXXX, and XXXX. It has been about few months now, but I see no changes in my credit report. As a business owner, I was planning to expand my business in other state this year, but with current status of my credit report -- full of credit cards that I have never applied for -- I can't even get any commercial loan. I am not sure what my credit bureaus are doing, but although I submitted all documents they requested ( copy of my driver 's license, social security card, utility bill, and FTC report ), I see no efforts of my credit bureaus. Everything remains same, no updates, nothing. My most recent dispute case closed with the result of " these are correct information '' did not explain anything. I don't know what kind of document or verification document they received from credit card companies, but I never got a chance to look at it. I asked if they can send me a copy of what they have, but they rejected my request and said : unfortunately we can not provide you any documents from creditors due to privacy information. Well, they started dispute case because they were able to verify that I am the one who submitted these disputes. Then how come they can not provide me any proof for privacy issue? Representatives said that they sent out a mail explaining everything, but the result letter did not explain anything. I just saw a letter saying their investigation concluded as " they are all correct information. '' BUT HOW DO THEY EXPECT ME TO AGREE WITH INVESTIGATION RESULT WITHOUT ANY PROOF? I don't even know how identity thief obtained my information, what kind of information was submitted. I can't understand or agree with their process of investigation. As a result, they made me come to you ( CFPB ) and to ask for help with my current status. I never applied for any credit cards with these companies.
Consumer complaint received 2024-03-29
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Durrett Motor Company, Inc. (TX)

On XX/XX/XXXX I went to Durrett Motors to Purchase a vehicle a XXXX XXXX XXXX XXXX Vin # XXXX after going over the itemization of sale I had found additional charges that is not state regulated.
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. (IL)

So I sent a letter off XX/XX/2022. To remove personal information that I do not want on my credit report. According to the fair credit reporting act 12 USC 1681. I have the right to privacy. Also according to 15 USC 6802, no financial institute is suppose to share my information to a third party. 

These are clear violations of my federally protected consumer rights.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

So I sent a letter off XX/XX/2022. To remove personal information that I do not want on my credit report. According to the fair credit reporting act 12 USC 1681. I have the right to privacy. Also according to 15 USC 6802, no financial institute is suppose to share my information to a third party. 

These are clear violations of my federally protected consumer rights.
Consumer complaint received 2024-03-29
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION (MI)

I purchased a vehicle from XXXX XXXX in XXXX, MI I was financed through Credit Acceptance in XXXX. The amount for the vehicle was {$4900.00} including on the paperwork. A couple days after having the vehicle it started running hot. I contacted the dealer ship. I took it in they claim it was repaired the next couple days it done the same thing. So I once again called the dealership took in again they say they could not find a problem. The third and final time it over heated. I took it to the dealership and left it there until the found the problem and repaired my vehicle. The vehicle ran good for around 1 week and it overheated again and started leaking fluid. I then called Credit Acceptance asked if they could repair my vehicle or can I skip payments to repair my vehicle, both answers were no. I had parked the vehicle, because it would not run and I called Credit Acceptance again told them to come and pick the vehicle up. When I received the final bill I owed {$13000.00}, but they auctioned the vehicle for {$500.00}
Consumer complaint received 2023-12-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (VA)

The nelnet company is a completely incompetent company the customer service representatives do not ever answer the phone calls their emails are backlogged the website is down so i can not make a payment tried calling but wait times are greater than 30 minutes and I waited for 2 hours never spoke to anyone
Consumer complaint received 2022-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have sent several dispute personal information update letters to all three credit bearues in the. The only address that is correct XXXX XXXX XXXX XXXX XXXX XXXX. OH XXXX and phone number XXXX. I no longer work at XXXX as well.
Consumer complaint received 2020-02-14
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: NAVY FEDERAL CREDIT UNION (TX)

Due to the XXXX breach, I found out that in XX/XX/XXXX, Navy Federal Credit Union placed an illegal tradeline, a credit card account ending in XXXX, on my personal XXXX, XXXX, and XXXX credit reports. 

Since that time, I have sent multiple letter to Navy Federal Credit to provide me validation that this account was mine in accordance to FACTA law including, but not limited to : a application or electronic consent to open this account with my signature or voice approval. As recently as XX/XX/XXXX, I tried to contact them in attempt to resolve this matter to no avail. 

To date, Navy FCU has not sent me any documentation that this account was mine, stating this a Joint account, which I did not agree to have opened. I have also disputed multiple times with the credit bureaus, each time Navy FCU said this bogus credit card account was mine. 

Further, since XX/XX/XXXX, Navy FCU had deducted payments from my checking account ( # XXXX ), and  closed it in XX/XX/XXXX without any notice ( mail or email ) to me. 

In XX/XX/XXXX, I placed a complaint with the National Credit Union Administration ( NCAU ). In response, the NCAU emailed me stating that my complaint was not handled by  their organization, and to file with CFPB and FTC.
Consumer complaint received 2022-12-03
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. (CA)

15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 A section 2 : 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 account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2022-03-22
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. (WA)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report. I am having problems with this unfair treatment. These accounts were taken care of with original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look up into, so please do your investigation on this and remove or delete this account from my credit report.
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. (FL)

In accordance with the Fair Credit Reporting act XXXX account number 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. 

15 U.S.C 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Consumer complaint received 2021-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (SC)

Equifax is seriously delinquent in reporting by account balances. 
Equifax has NOT updated any account data since XX/XX/2019. 

This is the third time I have reported this, but nothing ever changes.
Consumer complaint received 2017-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

Hello, this is  XXXX   XXXX  and I had a concern regarding   XXXX   placing a  thirty  day late on my account in  XXXX  of    2016. I was not supposed to be reported for this late, according to a manager i spoke wit h. I saw that I was and would like help to resolve this immediately please.     I had not received any statements and I had reported them lost or stolen to  XXXX . I was never late to pay a bill it was just that the statements went mission and unnoticed by my family. The representative I spoke with was understanding and told me no issues would come from this and yet I noticed a year and a half ago they did place a late on my  XXXX  credit reports and this has affected me terribly. This is not fair and not what was supposed to happen.
Consumer complaint received 2018-10-30
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Monterey Financial Services LLC (NY)

XXXX of 2017 I put a down payment down on a dog. I was told the cost of dog was {$1200.00}, and had agreed to pay that through a financing program. The name of the institution is Monterey Financial. After the {$1400.00} was paid ( 1 year later as I was told ) the institution continued to take money from my account. Therefore I stopped payment by calling the bank & paying the bank a small fee.

They are continuing to call my phone and Im concerned this may affect my credit in a detrimental way.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Transunion is reporting the name XXXX XXXX on my credit report. My name is XXXX XXXX. Please delete XXXX XXXX. 

XXXX is reporting the name XXXX XXXX on my credit report. My name is XXXX XXXX. Please delete XXXX XXXX. 

XXXX is also reporting two addresses I have never seen or am associated with please delete : XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX
Consumer complaint received 2021-06-14
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. (TX)

AS OF XX/XX/XXXX - XX/XX/XXXX : UPON DECLARING MY : FIRST AMENDMENT RIGHTS MY CIVIL RIGHTS : TEXAS PRIVACY ACT XXXX MY STATE AND FEDERAL LAWS : TEXAS FEDERAL FAIR CREDIT REPORTING ACT ( FCRA ) ... AS MY PEACEFUL RESOLUTION TO DISPUTE ALL MATTERS. HAS INSTEAD CAUSED A " DEROGATORY '' MARK BEING PLACED ON ALL COLLECTION CLAIMS ALMOST OVERNIGHT. INSTANTLY OPPRESSING MY PURSUIT OF PURPOSE IN MY LIFE.
Consumer complaint received 2019-01-10
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. (UT)

I have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX   Information Systems. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting in several Inquiries all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed  for a reasonable conclusion has been determined.
Consumer complaint received 2022-03-22
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. (WA)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report. I am having problems with this unfair treatment. These accounts were taken care of with original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look up into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2022-09-26
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. (MD)

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. has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 2022-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (OH)

I have had my account closed yet account details show I have money in my account. I have charges added to an account and credits moved in my name on an account I have no access to. My account says that I have paid an amount that the bank refuses to give me access to. The bank refuses to give me evidence of a legal binding contract with my signature as well as their signature. Upon requesting my contract I was redirected and sent from person to person with no resolution until finally I was sent some literature said to be my contract, yet had no identifiers to me. The bank refuses to show me proof of their consideration equal to my {$5000.00} deposit. The bank has classified me as a corporation and ignored my human rights to live as a man and has attempted to deceive me when I asked for clarification. I have asked for my legal contract and my account history to prove they have been charging me illegal fees. This bank has retaliated and attempted to intimidate me by moving my deposit date causing automated bills to not go through while they casually offer to release my funds on the regular date for a fee. This has transpired for 8 plus months. 

When I contacted the depositor of my funds as the bank requested I was told it was not on their end as nothing had changed. I move my deposits to a respected institution just to see my funds deposited on its origin release date that this bank mysteriously had no reason as to how this was possible. Ive called to resolve this matter but have cleverly been given misinformation. Said misinformation can proven to be beneficial for this bank monetarily and I suspect Im not their only victim as Ive dealt with multiple departments and this abuse is practiced institutionally. This bank also refuses to report my balance accurately which shows an inaccurate balance which depicts me in a negative light and has affected my financial mobility and reputation. This bank is creating instruments in my name and doing back door bookkeeping as well as using my signature for monetary gains without disclosing to me they could do this. Last contact attempt this bank hung up in my face for asking for clarity of its practices and has admitted to its misleading practices by apologizing for its associates who mislead me, who they sent to explain my contract yet knew nothing of what my contract stated, and they corrected or return some of the illegal fees collected only after rigorous complaints and suggestions of a need of an audit of my account. 

I have written to the president of the company only to receive more retaliatory behavior which has caused my detrimental financial hardships.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have had my account closed yet account details show I have money in my account. I have charges added to an account and credits moved in my name on an account I have no access to. My account says that I have paid an amount that the bank refuses to give me access to. The bank refuses to give me evidence of a legal binding contract with my signature as well as their signature. Upon requesting my contract I was redirected and sent from person to person with no resolution until finally I was sent some literature said to be my contract, yet had no identifiers to me. The bank refuses to show me proof of their consideration equal to my {$5000.00} deposit. The bank has classified me as a corporation and ignored my human rights to live as a man and has attempted to deceive me when I asked for clarification. I have asked for my legal contract and my account history to prove they have been charging me illegal fees. This bank has retaliated and attempted to intimidate me by moving my deposit date causing automated bills to not go through while they casually offer to release my funds on the regular date for a fee. This has transpired for 8 plus months. 

When I contacted the depositor of my funds as the bank requested I was told it was not on their end as nothing had changed. I move my deposits to a respected institution just to see my funds deposited on its origin release date that this bank mysteriously had no reason as to how this was possible. Ive called to resolve this matter but have cleverly been given misinformation. Said misinformation can proven to be beneficial for this bank monetarily and I suspect Im not their only victim as Ive dealt with multiple departments and this abuse is practiced institutionally. This bank also refuses to report my balance accurately which shows an inaccurate balance which depicts me in a negative light and has affected my financial mobility and reputation. This bank is creating instruments in my name and doing back door bookkeeping as well as using my signature for monetary gains without disclosing to me they could do this. Last contact attempt this bank hung up in my face for asking for clarity of its practices and has admitted to its misleading practices by apologizing for its associates who mislead me, who they sent to explain my contract yet knew nothing of what my contract stated, and they corrected or return some of the illegal fees collected only after rigorous complaints and suggestions of a need of an audit of my account. 

I have written to the president of the company only to receive more retaliatory behavior which has caused my detrimental financial hardships.