davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-25
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. (NY)

I had a collection that was paid and guaranteed from the collector XXXX XXXX to remove from report after payment made and it still shows on my report. Creditor said he is not reporting to the credit bureaus..NOT only that, it is reported INCORRECTLY, INACURATE<, NON CompLIANT to the Metro 2 system and FCRA and they keep claiming for VERIFED and ACCURATE. 
DAte opened, last reported, date last active all wrong and inconsistnet
Consumer complaint received 2022-06-16
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. (NY)

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 XXXX XXXX n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Consumer complaint received 2019-03-25
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: Select Management Resources, LLC (OH)

While I couldn't make any payments on my vehicle for a title loan because of medical issues, the title company ended up sending out a repossession company. This company had to open up the door to see the vin.nunber and in doing so that person had to be able to see my my medication which is life saving. At that point they should have either stopped and knocked on my door and given me my medication or at least contacted me the next day so I could pick it up. It has been over 10 days and I had to go to the doctor 's office for another prescription because this medication is supposed to be around me at all times that's why I kept one in the vehicle. Just taking a vehicle without care of anyone 's possessions inside shouldn't be tolerated because it could cause a life threatening situation. What if this was my only one? I live in a small village and we have a small fire department, who is then responsible? Please don't me because everyone forgets once and a while that's why I had in the vehicle and they took it.
Consumer complaint received 2021-06-10
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. (NC)

How do I report companies for false and deceptive information? Companies can not simply misconstrue the law and tell consumers they are operating under the law when they give out false information and it affects people 's lives! I put in a CFPB complaint about my consumer report where a company did not follow 15 USC 1666b ( a ). I was then told as a response by XXXX the following message ; " Additionally, when a consumer enters into a financial obligation the consumer is agreeing that the creditor has the right to report this type of information to the credit reporting agencies. '' NO, A CONSUMER IS NOT AUTOMATICALLY AGREEING TO CREDITOR HAS THE RIGHT TO REPORT AUTOMATICALLY! THE CREDITOR NEEDS WRITTEN CONSENT BY THE CONSUMER FIRST! EXPERIAN 'S STATEMENT IS FALSE AND MISLEADING! 

Why? 

because it states it law the exact opposite must occur! And I quote 15 USC 6802 ( b ) ( 1 ) ( A ) ; " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party. '' Meaning I have to give written permission to agree for that creditor to report my information! Why would XXXX give me a deceptive answer like this? Who wrote this response? They should be held accountable as this is a violation of 15 USC 1611 ( 1 ) for giving " ... .false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder. ''
Consumer complaint received 2019-03-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TD BANK US HOLDING COMPANY (VA)

My wallet was stolen. I called to close my card and check on activity. I wanted XXXX funds or anything transactional. I only wanted to verify my card was not used, and terminate my card. They stated, my voice was not authenticated. They had no other options to authenticate me. I have all my personal information. They would not assist me. I solely attempting to protect my account and card from fraud use. They would not help or assist. Terrible service.
Consumer complaint received 2017-09-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (NY)

This company Diversified Consultants is trying to collect on a debt from XXXX XXXX that i do not owe and have numerous calls with XXXX XXXX over the past year and a half that this debt is not owed due to the fact that i replaced their tv service with XXXX XXXX and notified them when to cancel the service and XXXX  never did that. They kept on billing my account month after month for service that was no longer used. All equipment was returned to XXXX This balance is not owed by me, XXXX made the errors of charging me month after month and I am not responsible for their errors. I called Diversified on XX/XX/XXXX and told them the story and errors by XXXX XXXX twice already and since this is the 3rd collection agency that has tried to collect this money they were also made aware that I am not liable for this debt. XXXX XXXX made the errors they need to take care of this balance and delete off my name. if needed i will supply the company with the XXXX XXXX bill or bills that shows i had service with them at the dates XXXX claims i had service with them.
Consumer complaint received 2021-10-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FC HoldCo LLC (FL)

Flagship Credit Acceptance reported in XX/XX/XXXX  that my account is 30 days past due. When in fact, I sold the car to XXXX and payment was received to them by XX/XX/XXXX  and account was paid off. I disputed the information twice as incorrect and they continue leave the account reported as Open, Late.
Consumer complaint received 2019-03-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Receivables Performance Management, LLC (VA)

Account Name RECEIVABLES PERFORMANC,XXXX Original Creditor XXXX Open Date XX/XX/2017 Balance {$380.00} Debt {$380.00} Contact Information XXXX XXXX XXXX XXXX, XXXX, WA XXXX , ( XXXX ) XXXX
Consumer complaint received 2020-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (OR)

I generally ask for a credit report from each credit reporting company once each year, using the toll free number provided by the government. I last received a report from Experian in XXXX, XXXX. Since XX/XX/XXXX I have tried twice to receive another report from Experian. Instead of sending my report, I received a postcard from Experian asking for the same information I gave over the phone, plus a a copy of a government ID such as a drivers license and a copy of a utility bill, bank or insurance statement. I have never been asked for additional information before by any of the credit reporting companies. I received a copy of my XXXX  credit report in XX/XX/XXXX without supplying additional documentation. I asked for my XXXX  credit report today and I do not anticipate the problems I have had with Experian.
Consumer complaint received 2019-03-25
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I have had several ACH debits taken from my personal checking account to pay a credit card that I have never been a part of. My ex husband XXXX XXXX is using my checking account that he has never been a part of nor had permission to use, to make his monthly payments. I have disputed the transactions with my financial institution however Capitol one continues to allow these payments. I have called capital one and advised them of the situation and they state that since I am not the primary holder of my ex husband card there is nothing they can do to remove my checking account information that is fraudulently being used.
Consumer complaint received 2022-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I filed a dispute with XXXX on XX/XX/2021 on this account letting them know I have no knowledge and requested a full validation under FCRA Law and requested information on the company right to collect under fair credit and billing act. I have not heard back from XXXX. I have also filed a complaint with CFPB and no action was done. Please provide the requested information or otherwise delete the account. I am also looking into filing a complaint to the FTC and DOJ. 

disputed account XXXX  XXXX  Opened XXXX {$560.00}
Consumer complaint received 2019-03-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (NJ)

I purchase something on XXXX XXXX and I did pay through XXXX and I trusted this guy to pay through it. And now he scammed me worth of {$800.00}. I still have his number and some screenshot conversation. And it happens on XX/XX/XXXX XXXX
Consumer complaint received 2019-03-27
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. (NJ)

Experian notified me that I had a late payment and that my credit was effected because of it. I saw that it was from an account that was opened up with XXXX XXXX. I do not have an account with XXXX. I actually use XXXX XXXX XXXX for my wireless provider. I filed a dispute on this XXXX account which was claiming I had a missed or late payment of {$83.00} from XXXX of XXXX. On XX/XX/XXXX, I filed a dispute with Experian, XXXX and XXXX XXXX. On XX/XX/XXXX, I called XXXX XXXX and was informed that there is in fact no account in my name or in my social security number. 2 weeks after that time I got a letter from XXXX XXXX indicating that the XXXX account was removed from my credit record. I followed up with Experian to see if my the account was removed and I was informed from someone at the dispute center that XXXX is indicating that the account is open and there is a late payment. I proceeded to file a new dispute with Experian. I called XXXX again after this time and was informed by a different employee at XXXX wireless that I do not have an account in my name or social security number for a second time. I followed up with experian today and they are indicating that XXXX still is saying there is an money that I owe. I need this to be addressed
Consumer complaint received 2019-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (IL)

The information presented in this complaint is in addition to complaint number XXXX - XXXX, because I meant to add these documents with the first report. These documents will support my attempts to communicate with LexisNexis to resolve the issues : On page XXXX of the credit report dated XX/XX/2019, LexisNexis is reporting my license number wrong along with other inaccuracies. 
On page five of the credit report dated XX/XX/2019, which is the report that suppose to show corrections, that page shows a wrong social security number ; wrong addresses, and misspellings of my name. 
On page one of the credit report dated XX/XX/2019, I have highlighted LexisNexis statement whereas it says they have contacted the XXXX XXXX Bankruptcy XXXX regarding verification, and thus the report is accurate. To this end, I am told to 'please contact the court 'directly ' if they need to update their records. ' The documents that I will include will show that I did contact the court directly, and copies of my drivers license ; social security card, mail that shows my correct address and the spelling of my name - copies of which I also presented to LexisNexis in my quest for correction/deletion.
Consumer complaint received 2018-04-27
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Innovate Managed Holdings, LLC (NC)

I had a loan with another company. The company sold the loan innovative. Innovate forced me to pay the loan every two weeks on my pay day. They never allowed me to pay monthly and they charged me the highest interest rate. My credit score was XXXX and I didn't understand why. I was able to refinance the car for only 5 % I've been trying to get the title released and the representatives took over 2 months. The bank has called and my wife. I've even sent in a payment because of the long process. One of the representatives at innovate agreed that it appears that they are trying to keep the loan. I almost lost the approval. Innovate said they would not damage my credit. Which they did damage my credit. It is still showing on my credit report that this account needs attention and it's open negative.
Consumer complaint received 2022-06-15
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (MO)

My account was debited on XX/XX/2022, without my permission. I have always went into the store location and paid on my loan. I have NEVER given ACE permission to debit my account. That was also marked on their application. I wasnt notified prior to them debiting my account and I have never missed a payment as scheduled. I do not understand why they went into my in the first place. I contacted my bank and they have stopped the card used with ACE, and are seeking a reversal of fees from them. I just want this all stopped and all fees I owed ended
Consumer complaint received 2020-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The XXXX first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, Trans Union or XXXX  respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX  XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Consumer complaint received 2022-06-15
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: USA Service Finance LLC (TX)

Consumer Financial Protection Bureau ( Bureau ) announced settlements with XXXX XXXX, XXXX, also called XXXX XXXX XXXX, its principal, XXXX XXXX, and XXXX XXXX XXXX, XXXX ( XXXX ). XXXX XXXX XXXX, which was located in XXXX, Kentucky and is no longer operating, offered and extended financing for airline tickets to military servicemembers and their families and was owned and managed by XXXX. XXXX, which is located in XXXX, Kentucky, is a company that services travel-related loans, including loans made by XXXX XXXX XXXX XXXX for servicemembers. 

The Bureau found that XXXX XXXX XXXX and XXXX misrepresented the true cost of credit in violation of the Consumer Financial Protection Act of 2010 ( XXXX ). Specifically, XXXX XXXX XXXX charged a fee to consumers who obtained financing through XXXX XXXX XXXX above the fee that it charged to consumers who paid in full. XXXX XXXX XXXX failed to include that fee in the finance charge or the annual percentage rate for consumers who obtained financing, even though it was a cost of credit. XXXX XXXX XXXX representatives, at the direction of XXXX, also quoted falsely low monthly interest rates over the telephone to consumers.
Consumer complaint received 2020-07-26
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: PNC Bank N.A. (NJ)

Im trying to get a payday loan so i can make it to work until i get paid this coming Friday. I have direct deposit set up with in my pnc checking account. I have only received one paycheck in the amount of approximately 500 dollars since I went back to work XX/XX/XXXX. I cant get the loan because I cant attach my pnc account to this app, XXXX, or XXXX.
Consumer complaint received 2021-02-12
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. (UT)

On my credit report I was looking into, I noticed that the information that was on my credit report that was reported for my Vehicle Loan and the Company, has reported in correct information as with they have not reported to the credit bureaus monthly as agreed when I purchased the car. They have incorrect, false information that has personally not helped my credit score whatsoever since opening the loan last year. Theyve reported spotty and also reported I was 90 days past due one month which is incorrect. The payment amount monthly I pay is incorrect as with the balance and initial loan amount. Ive contacted them and they said they would contact me back but I never heard back. I sent messages as well detailing the mistakes and inadequate information being reported and they never responded. But they did harass me and contact me via phone, text and email daily when i was past due with my payment. But now refuse to contact me back, or state that the information they have doesnt reflect that. I was denied a credit card based on the information they reported that is incorrect, false and not true. Ive not seen a credit score increase at all since getting this vehicle loan, and I wanted to get help as they are required to report to my credit bureaus monthly with correct information. They have not attempted to fix this information nor provide me with documentation that I can submit to the bureaus detailing opposite information.
Consumer complaint received 2019-03-27
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: ALLY FINANCIAL INC. (GA)

Inaccurate late payments reported by Ally Auto. After six different attempted disputes all they do is move the inaccurate late payment to a different month, somtimes 2 or 3 months from original month reported. When attempting to contact Ally Auto directly I am places to an outside call center and told there is no back line to speak to supervisor and that I must dispute through credit reporting agency. I am disgusted at the level of service from this company.
Consumer complaint received 2022-06-15
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. (MS)

In accordance with the Fair Credit reporting Act XXXX  has violated my rights 15 U.S.C 1681 section 602 A Stats I have the right to privacy. 15 U.S.C 1681 604 A section 2 Stats a consumer reporting agency can not furnish an account without my written instructions. Account Number XXXX XXXX, Account number XXXX XXXX, Account number XXXX DPT EDXXXX, Account number XXXX DPT EDXXXX, Account number XXXX DPT EDXXXX, Account number XXXX XXXX XXXX, Account number XXXX XXXX XXXX, Account number XXXX XXXX XXXX, Account number XXXX XXXX XXXX Account number XXXX,