davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-09
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. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2021-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

i have been complaining with the CRAS for months ( transunion, XXXX, and XXXX ) about the inaccurate and unverified items that they are reporting on my credit report. not only that the items that are more than 7 years never goes away and it is stressful and causing me not to get credit. also my personal information needs to be updated as well, please assist me in correcting this issue
Consumer complaint received 2024-03-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2022-03-28
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (GA)

Since the start of my lease in 2019 when I was financing my lease, the finance manager set my lease payment day to be the 1st of month. I told him that date will not work for me since it does not coincide with my pay dates. He said dont worry when Nissan XXXX sends you the bill call them and request a due date change. For three years now I have been requesting a due date change and Nissan XXXX has denied me every single time, stating my account balance has to be up to date before they can grant me one. The problem is, I cantevery month I an late due to my payment date being after my due date. For three years Nissan has charged me a late fee every month, when they could have easily given me a due date change. I think that is UNFAIR business practice!!!
Consumer complaint received 2021-04-14
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: Experian Information Solutions Inc. (CA)

Inquiries on my credit report that I did not authorize : XXXX via CONSUMERINFO XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX CXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX
Consumer complaint received 2019-07-31
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BBVA FINANCIAL CORPORATION (AZ)

I opened an account with BBVA Compass in early XX/XX/XXXX. The sales representative offered a {$200.00} rebate within 3 to 4 weeks of the first direct deposit. It is now XX/XX/XXXX, I went back to the bank, and now the terms and conditions state that it may take 120 days to credit the account. The sales person sold me the account under false pretenses in order to get commission and my account has not been credited.
Consumer complaint received 2022-10-08
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: CLGF Holdco 1, LLC (PA)

In accordance with the FAIR CREDIT REPORTING ACT XXXX account # XXXX, 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 a consumer reporting agency can not furnish an 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 2019-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (IN)

Where did credit bureaus get this public information when the recorder of deeds, the magistrate or the court itself did not furnish any of this information to the credit bureaus. They do not provide any proof to justify their reporting. Please get this public information remove Chapter XXXX Bankruptcy Discharged XXXX
Consumer complaint received 2019-10-08
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (NE)

After closing on this loan I contacted the XXXX XXXX District office and provided a signed copy of the deed, copy of ID with the new address and a Verification letter from the military showing that I have a service connected disability rating of XXXX XXXX. I filled out their application and they gave me a letter stating that my exemption was approved. Once I got that I gave it to the mortgage company and asked them to quit collecting for tax and refund the money in my escrow account. 

They finally verified the exemption and gave me a escrow refund but are still collecting for taxes each month. Then when I tried to make the payment of XXXX which included taxes I reluctantly made the payment knowing that I was going to have to spend a lot more of my time straightening out getting my money back from them. Then the next day it still had not been deducted from account so I got back online and it showed a different amount of {$1200.00} that obviously still included taxes because principal and interest plus insurance should be approximately {$970.00}. So I made that payment thinking that they didnt take the first payment of XXXX The day after that they took thee money from checking of {$1300.00} and the break down showed that the paid {$1200.00} for principal interest taxes and insurance and then just took it upon themselves to apply. {$140.00} toward principal balance without my permission and then gave me an escrow refund of {$1500.00}, further proof that they know of this exemption. I called them and explained this so I could avoid them drafting another payment of {$1200.00}. Why would I make two payments at the beginning of the month when that wasnt the contract agreement to start with? In addition the is another payment toward taxes that I dont owe and the know I dont owe them. Them taking this additional caused my checking account to go into overdraft which my bank charges me for. Of course everything and Wells Fargo takes ten days or longer to figure out which gives them enough time to grab as much money as they can. 

Now Im thinking they created RESPA laws to keep these companies from having these shady practices but it seems that they have found a way around it. I got an escrow refund which proves they know of my exemption but they are still collecting for tax? Its also very apparent that I cant trust them with my banking information either. Giving them access for direct payments would be stupid. And since they collected more money than they should it starts this process of getting my money back all over again. 

Im not making one more payment on this loan until they give me my money back and change the payment to the correct amount. I dont care what it does to my credit and they can have the house.
Consumer complaint received 2022-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CT)

I SUBMITTED AN INVESTIGATION INTO MY CREDIT REPORT DUE TO INACURRATE INFORMATION ON BOTH AND CONFLICTING REPORTS VIA USPS MAIL TO XXXX AND EXPERIAN AND HAVE NOT RECEIVED A RESPONSE VIA MAIL IT HAS BEEN OVER 30 DAYS NOW AND I JUST RECENTLY SENT OUT ANOTHER INVESTIGATION VIA MAIL BECAUSE I HEARD NO RESPONSE FROM THE FIRST ONE.
Consumer complaint received 2022-10-11
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: Experian Information Solutions Inc. (NY)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Again, I was going through my records & noticed the fraudulent account which does not belong to me STILL reposting on my file in Experian. The other bureaus have already DELETED this fraudulent information so my question is why do you still report these damaging records? I have already disputed these items several times and stated that I am an identity theft victim. I even forwarded my FTC report I filed online on their website along with my personal information and documents but still, you chose to continue reporting these items. Credit Bureaus are bound to comply with the FCRA regulation section 605b but you never cared nor paid any attention to my Disputes. You became negligent of the FCRA law and continued reporting this information on my Credit File without Proper Verification or Investigation. Now, I want you to REMOVE these items from my file like the other bureaus have done. 

XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX
Consumer complaint received 2019-07-31
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)

EQUIFAX KEEPS VERIFYING 1 OF 5 ID THEFT LOANS ON MY REPORT.AS OF XX/XX/XXXX THEY SAID THE DISPUTE IS NOT SPECIFIC.EQUIFAX HAS REMOVED 4 OF 5 OF THE BAD LOANS THAT ARE NOT MINE.EQUIFAX HAS MANY EMPLOYEES THAT ENGLISH IS A SECOND LANGUAGE AND FEW KNOW HOW TO READ UNDERSTAND AND SPEAK ENGLISH.I BELIEVE THIS TO BE THE PROBLEMS BASIS. 
MY CREDIT IS STILL DESTROYED BY EQUIFAX 'S CONFUSION. 
DEPT OF EDUCATION XXXX XXXX XXXX IS NOT MINE.IT IS ID THEFT OR AN ERROR OF THE DEPT OF EDUCATION, BUT REGARDLESS IT IS NOT MINE AND SHOULD NOT BE ON MY CREDIT REPORT FOR ANOTHER 5 MINUTES.
Consumer complaint received 2022-12-04
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. (PA)

I disputed XXXX with EXPERIAN back in XXXX for a plethora of violations and I asked for the item to be removed from my report because it had so many errors and inaccuracies on it was not reporting proper data. Today, XXXX i tried to dispute it and it said that I already disputed the item but that was 60 days ago and all they did was update when it was to be removed. This is messing me up this account is all over the place.
Consumer complaint received 2019-05-26
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: Experian Information Solutions Inc. (CA)

There is no sufficient information to support the credit bureaus claim..The payment here is sent in advance so I don't understand why this is a past due..Please fix this for me.. 
XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX
Consumer complaint received 2022-10-11
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: JPMORGAN CHASE & CO. (AL)

Dear Chase, In Re : XXXX XXXX Credit Card Ending in XXXX I am hereby requesting you provide all three credit bureaus a letter and send a copy of said letter to my address below informing them to remove the hard inquiry from my credit report for the XXXX XXXX Credit Card that has been closed but that was opened in my name and that I reported given this account was opened in my name without my permission. 

And was the result of identity theft. 

I furthermore request you provide in the letter to all 3 credit bureaus both the consumer and business credit reporting agencies notifying them that the account was closed given it was a result of identity theft which I have already reported directly to Chase and that I am no longer liable or obligated to pay the debt and it shall be removed from all credit reporting. 

I would greatly appreciate this. 

Thank you so much. 

Please send a copy of said letter to my address below along with my email address being XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX # XXXXXXXX XXXX, AL XXXX Warm Regards, XXXX XXXX
Consumer complaint received 2023-09-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

closed b.o.a account # XXXX XX/XX/2023 remaining bal XXXX said id have check in XXXX days.waited XXXX days no check. called again said id have check in XXXX  days waited XXXX days no check. tonite was my XXXX phone call cust rep said i have to go to branch office XXXX XXXX hours from me
Consumer complaint received 2021-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC. (IL)

This collection violates the law Under the FDCPA law 15 USC1692 - debt collectors can not state that such consumer owes debt Also violates 15 USC 1692 ( E ) 11 by giving false, deceptive misleading representation or means in connection with collecting any debt. The report states I " owed '' a positive balance. So after assuming a debt they also sent me a wrong statement you can not pay off a positive balance and it was never disclosed to me it was a attempt to collect a debt. 
also violates 15 USC1692 ( e ) 11 Name -XXXX XXXX amount : {$1500.00} date : XX/XX/XXXX 2.XXXX  Amount : {$600.00} date :XX/XX/XXXX 3.XXXX XXXX XXXX amount : {$220.00} date : XX/XX/XXXX 4.XXXX XXXX XXXX amount : {$200.00} date : XX/XX/XXXX 5.XXXX XXXX amount :XX/XX/XXXX& {$100.00} date :XX/XX/XXXX & XX/XX/XXXX6.Midland credit every account
Consumer complaint received 2021-04-14
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. (CA)

Inquiries on my credit report that I did not authorize : XXXX via CONSUMERINFO XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX
Consumer complaint received 2022-02-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (MN)

PayPal closed my account for no reason and will not help me getting it back up and going I am not sure if this is some mistakes as I assume it has to be I have not been able to get help from them for days they are not doing their job properly I thought you guys would help me thats why I filed a complaint against them my email is XXXX XXXX
Consumer complaint received 2022-10-09
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: EQUIFAX, INC. (FL)

I filed 3 separate complaints about inaccurate information on my consumer report on XX/XX/2022, Complaint # XXXX XXXX ; Complaint # XXXX Equifax ; Complaint # XXXX XXXX. All 3 of the mentioned CRAs have failed to promptly update and correct information it furnished to Consumer Reporting Agencies ( CRAs ) that it determined was not complete or accurate, and continued to furnish this inaccurate and incomplete information, in violation of the FCRA 623 ( a ) ( 2 ), 15 U.S.C. 1681s-2 ( a ) ( 2 ). Furnished information to CRAs about severely delinquent or charged-off accounts but failed to furnish Dates of First Delinquency ( DOFDs ) for those accounts, in violation the FCRA 623 ( a ) ( 5 ), 15 U.S.C. 1681s-2 ( a ) ( 5 ) Under the FCRA, the updates have not been completed within the 30 days that are allotted before CRAs are in violation of the FCRA. Due to the lack of prompt action and continued inaccurate and/or not complete information continuing to be furnished on my consumer report, I am requesting the specific updates and deletions. Please see my instruction in the resolution section
Consumer complaint received 2022-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: Experian Information Solutions Inc. (FL)

I don't know how many disputes I'm going to make, by mail, by email, customer service and they don't take away those accounts that aren't mine, I've been dealing with this for two years and nothing, very bad service
Consumer complaint received 2022-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

2. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2019-10-08
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: Experian Information Solutions Inc. (CA)

I have not been able to access my own report on Experian.com I disputed in writing 90 days ago and got a post card with website address to dispute which DOES NOT work and REDIRECTS ME TO THE PHONE # S which is a 1-2 hour hold then answer to all personal questions. The agent has the nerve to ask if I'm a " BOY OR A GIRL .... '' because he said I sounded like a girl .... why does it even matter and is it part my credit report and Experian MUST know????? when we finally got to the dispute part he tells me that I need to enroll for a $ XXXX/mo credit monitoring to be able to dispute information on my report. He said " free disputes are being taken away by Experian and consumers no longer can dispute on line or in writing unless they have a paid subscription ... '' THIS IS EXTORTION .... CONSUMES SHOULD HAVE A CHOICE IN PURCHASE AND SHOULD HAVE FREE ACCESS TO HIS/HER OWN REPORT ....
Consumer complaint received 2022-10-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have disputed with XXXX XXXX AND TRANSUNION SEVERAL TIME LETTING THEM KNOW I HAVE INQUIRIES LISTENED WITHOUT MY CONSENT, I did not give permission to inquire and I demand each one list be deleted immediately and pay {$1000.00} per fine per violation, they are listed belowTRULIANT ( XXXX/XXXX/XXXX ) XXXXXXXX XXXX XXXX  ( XX/XX/XXXX ). XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX  XXXX BANK ( XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ) XXXX BANK ( XX/XX/XXXX ). XXXX XXXX. ( XXXX XXXX BANK ( XX/XX/XXXX )
Consumer complaint received 2022-02-08
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CO)

This complaint is for the lack of caring or reading comprehension for my cfpd complaints as now USAA is closing my complaints without even reading them/ responding to them. 

USAA marked my complaint XXXX as Marked as a duplicate complaint on XX/XX/2022 even though I went through USAA responses and inserted my comments to their responses. It's obvious USAA does not care to communicate in a fair/reasonable way. 

I'm making this complaint because USAA says I'm making un-founded claims however I assure you USAA continues to make unfounded claims on my credit report and continues to lie and attempt to re-insert the accounts on a near-monthly basis. This complaint is to show how shady USAA can be and how they really don't care. 

Also, USAA claims " if you have any additional questions, XXXX XXXX '' however when you try to call you just get sent to voicemail, and the voicemail is never returned because USAA doesn't look into anything or care about getting back to you.