davidheineman/consumer-finance-complaints-large huggingface dataset:
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 — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

In accordance with the fair credit reporting act XXXX account number XXXX, account number XXXX, account number XXXX, account number XXXX has violated my rights. 

15 usc 1681 section 602a states I have the right to privacy.

15 usc 1681 section 604a section 2 it also states a consumer reporting agency can not furnish a account without my written instructions
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 — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

In accordance with the fair credit reporting act XXXX account number XXXX, account number XXXX, account number XXXX, account number XXXX has violated my rights. 

15 usc 1681 section 602a states I have the right to privacy.

15 usc 1681 section 604a section 2 it also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

I have been applying for new homes and getting denied because of my consumer report. Im being denied, not because income or background. I make good money. My report is pretty clean. The only thing I can think of prohibiting me from being approved is the inaccurate information reporting on my consumer report. I have already sent letters to dispute this information. This info is not showing on my XXXX report. However, 3 Derogatory Remarks on Equifax and one on XXXX. While 0 on XXXX further proving this information inaccurate.
Consumer complaint received 2021-04-16
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: PRESTIGE FINANCIAL SERVICES INC (WI)

Hello, I am a 100 % service connected XXXX veteran. I find myself in a predatory loan with Prestige Financial, regarding a vehicle I've only had approximately 6 months. ( XX/XX/2020 ) In desperate need to get a car to be able to make it to my VA appointments, I thought I found a good deal on a XXXX XXXX XXXX listed at {$19000.00}. I was led to believe I was financing with a great company at a great price. However, at 23.3 % interest I am already under water at just 6 months in. At the end of the loan, I'd have paid more than double the original amount financed. Furthermore, at a recent oil change with less than XXXX miles on the vehicle I find that it is a lemon with issues such as a hole in oil pan. 
I've asked Prestige to lower the interest rate to a reasonable Usury Rate or to let me out of the contract. They have refused to do either. I have filed a previous CFPD complaint with no resolution. I have been advised that I now have grounds to sue under the American XXXX Act and the Laws Against Predatory Lending. 

Per simple XXXX reviews and XXXX  complaints, this company is well known for it's Predatory Lending Practices. My situation is similar to many others who have had Prestige as their lender. 

XXXX is a similar predatory lending company who just lost a huge lawsuit due to the same practices that Prestige has. This does not seem to bother Prestige as they seem to have zero  interest in doing the right thing. 

This is my second CFPD complaint regarding Prestige. I have also filed a XXXX  complaint, a complaint with the Attorney General and will be looking into options to sue Prestige if this matter can not be resolved. Companies should not be allowed to prey on people with their predatory lending and there are Federal Laws against this. 

Regards, XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX WI XXXX
Consumer complaint received 2021-08-24
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: CITIBANK, N.A. (NV)

I opened a card with Best Buy back in XXXX. I have had this account open and active up until the time I lost the card in XXXX. I replaced the card and Best Buy has never reported the new card on my credit. This is my oldest credit card and affects my credit heavily! They are reporting my card as closed due to inactivity. I have the card, use the card often and have continued making monthly payments on the card. None of which has been reported on my credit since the new account was opened. I have called them on multiple occassions as well as experian and neither company has helped me as they just continue to blame one another.
Consumer complaint received 2021-04-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: CITIBANK, N.A. (VA)

On XX/XX/2021 I attempted to purchase a pair of pants from a store while on vacation. The pants were never sent to me, thus I contacted my bank Citibank given that it was purchase via my debit card. 

Citibank first placed the funds back into my account, but sent me a letter requesting more information which I sent BOTH via fax and via USPS mail. They reverted the charges claiming that they did not obtain the letter, which they did obtain given that they responded to me via mail. 

Thus, I have been over {$250.00} for a materials that I have not received and they are not wanting to help me resolve the issue. As a bank they have failed to protect my money, and their customer service has failed their customer. 

I want this resolved as soon as possible! 

Sincerely, XXXX XXXX
Consumer complaint received 2018-07-06
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: FORD MOTOR CREDIT CO. (CA)

Starting in 2012, when I entered my 3 leases with various XXXX Dealerships, I was told UPFRONT at the time of purchase, on each of those initial leases that if I kept my vehicle in good condition and under the mileage agreed to I would benefit from any added value the car was worth. Conversely any excess mileage or extra wear and tear would cost me a fee at the termination. 
After I turned in my first XXXX lease, the mileage was over the allowed amount and I paid the extra fees. However, although I was assured of the same return conditions when I traded for my next XXXX lease, when I went to turn the car in that was in excellent condition UNDER the allowed mileage, I was told by 2 XXXX dealers that Ford/XXXX corporate prohibited them from giving me the extra money on a trade in, even though the car had a blue book and retail value above the residual. They both said I was not entitled to receive any extra money because I didn't turn the car in 3 months before the end of the lease. Since my payments were automatic, I never received any notice or a call that changed the deal I was repeatedly told about. This car was then in possession of Ford/XXXX who profited from their questionable proclamations of their dealer leasing tactics which resulted in costing me approximately $ 2-3,000. 
I wrote to several senior executives at Ford/XXXX  management in XXXX, MI to explain my problem and they replied that they have no jurisdiction over their independent dealer group.
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 — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

In accordance with the fair credit reporting act XXXX  account number XXXX, account number XXXX, account number XXXX, account number XXXX has violated my rights. 

15 usc 1681 section 602a states I have the right to privacy.

15 usc 1681 section 604a section 2 it also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

I have been applying for new homes and getting denied because of my consumer report. Im being denied, not because income or background. I make good money. My report is pretty clean. The only thing I can think of prohibiting me from being approved is the inaccurate information reporting on my consumer report. I have already sent letters to dispute this information. This info is not showing on my XXXX report. However, 3 Derogatory Remarks on XXXX and one on Experian. While 0 on XXXX further proving this information inaccurate.
Consumer complaint received 2021-11-17
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (CA)

This Account # XXXX Does not belong to me. 
XX/XX/2021 I have noticed inaccurate information on my credit report XX/XX/2021, I have sent to Nissan motors a request to verify this Account # XXXX 30+day pass and on XX/XX/2021 there was a response from Nissan motor XXXX on XX/XX/2021, I have reach out to XXXX XXXX XXXX, to Investigate the account. 
This account was never investigated by XXXX Came out as verified. 
XXXX has updated my account. Showing two accounts. With a different account number showing # XXXX Which this account, is one of my old accounts, that is paid in full. XXXX has sent me a letter saying that they will not conduct any further investigation after this latter rich 30 days. 

On XXXX Account # XXXX. Is showing Too Account # XXXX and XXXX. 
Which this XXXX is the Same account.as Account # XXXX. 
Experian Have. Investigated this account. updated account and still shows as verified. 

on XXXX this Account # XXXX is Different from XXXX XXXX XXXX not reporting accurate data and not reporting the right day this account is Supposed to be out of my credit report. 76, terms. Every other reporting agency is reporting 75. 

I have included. A copy of my Social Security card. California ID. 
Proof of residency. the Verified letters, that XXXX send To me. A copy of the contract. The letters. Requesting. Verification. of my behave. Copy of my credit report, that shows inaccuracy on all three major Credit bureaus I also have sent Copies of the Dispute to all Credit Reporting Agent agencies. XXXX XXXX XXXX. CFPB You should receive a package by mail. on Monday XXXXwith a contract that shows a signature that doesn't belong to me. The name is spelled wrong and is not signed by me. I want this remove deleted from my credit report.
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 — Reporting company used your report improperly
Company: EQUIFAX, INC. (AZ)

In accordance with the FCRA account # XXXX, XXXX, Opened XX/XX/2021 has violated my rights due to the following : [ 15 U.S.C 1681 ] section 602A - States that I have a right to privacy.

[ 15 U.S.C 1681 ] Section 604 A, section 2 - states a consumer reporting agency can not furnish any account without my clear written instruction.

[ 15 U.S.C. 1681a ] Section 603, Section 2A, Subsection ( iii ) - communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information. may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ;
Consumer complaint received 2021-08-24
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: TD BANK US HOLDING COMPANY (CA)

On or about XX/XX/2021, TD Bank/Target closed my account without my authorization. I only opened the account about six months before and had a XXXX balance when they did so. I had made all of my payments on time and did not carry a balance. I wrote the bank about two weeks later to reinstate the account and they replied in writing that they would/could not do so. 

The closing of this account cause my credit score to drop overnight by 32 points.
Consumer complaint received 2021-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Student Aid Experts (CA)

My name is XXXX XXXX and I am XXXX. I took out a student loan to attend XXXX XXXX. I had to stop going to the university because of my XXXX and when I tried to make payment arrangements to repay my student loans, they attached my social security payment and then I have paid about {$2000.00} due to the garnishment. Then I tried to have it forgiven by the department of education and I called the social security office and was told that I couldnt get the form required because they ( social security office ) was closed due to the pandemic and then due to the pandemic, my garnishment was suspended and now under the cares act ordered by president Biden, my student loans have been forgiven but they are still listed as delinquent and unpaid on my credit report! Can you please help me??
Consumer complaint received 2017-11-08
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. (NC)

I have contacted Experian to let them know the two XXXX XXXX credit cards that are showing on my credit report for charge offs are not mine and I want deleted off my report for they are hindering my credit score. I have not signed any type of documentation for these credit cards and I want them to show documentation that they belong to me. I have no knowledge of these two credit cards and want deleted off my credit report.
Consumer complaint received 2021-11-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY (FL)

This is XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. This account is in fact registered as a charged off account ; I highly recommend you make me aware the actual reason why there is a balance detailing on the file whether it is a charge off? The account balance is in fact erroneous, please make sure you turn it to XXXX or remove the item absolutely. Please also furnish documentation to confirm all the charges and credits with this assumed account that led to the maximum credit figure you might have showing on my document. My request to render these records is seen as a standard information inquiry based on my rights given from the fair credit billing act. If you can't provide these details per my civil rights request, give pleasure to straightaway eliminate this kind of incorrect entry. 
NORDSTROM/TD BANK ***** Opened XX/XX/2014 Balance {$610.00} NORDSTROM/TD BANK XXXX XXXX XXXX XX/XX/2014 Balance {$610.00} NORDSTM/TD ***** Opened XX/XX/2014 Balance {$610.00}
Consumer complaint received 2015-04-27
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (CA)

My bank is charging me {$190.00} a month for PMI to insure they get paid. I pay the premiums. I asked to get it waived and they said I need to get an appraisel to see if the value is high enough. Surprise! The appraiser must be theirs and it costs another {$360.00}. It 's their appraiser and not an independent one that I could shop for. Unethical!
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 — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WV)

XX/XX/XXXX - XXXX - disputed XX/XX/XXXX with CFPB and requested account to be removed as it is a violation of 15 USC 1681 section 602 A, my right to privacy, 15 USC 1681 section 604 A section 2, a consumer reporting agency can not furnish an account with my written instructions and 15 USC 1681c. ( a ) ( 5 ) section, no consumer reporting agency may make any consumer report containing any of the following items of information other than records of convictions of crimes... I am requesting to have the account deleted from my credit report
Consumer complaint received 2021-11-17
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. (LA)

This is my formal notice of an intent to sue with Experian Ive tried 4x to get this issues resolved and they come back saying investigation verified how are you verifying this information I wasnt given a full file disclosure and also you are using my information without my written consent which is identity theft, According to 15 USC 1681 ( b ) Reasonable procedures : It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter which Experian did not follow 15 USC 1681 ( a ) ( 4 ) Accuracy and fairness of credit reporting : There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy which Experian did not give me using my private information without my consent and making these derogatory reportings Experian reported information onto my consumer reports based off of transactions and experiences without my consent and this is a violation of 15 USC 1681a ( 2 ) ( A ) ( i ) According to the XXXX XXXX Act I was suppose to get a chance to direct whether I wanted information about a transaction onto my report or not, I wasnt and Experian did post transactions anyway According to 15 USC 1681b ( a ) ( 2 ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. I did not give Experian written instruction to report any of this
Consumer complaint received 2021-04-15
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. (IL)

TransUnion credit report frozen XX/XX/2021 at XXXX XXXX  CST. An unauthorized inquiry was placed on my TransUnion credit report XX/XX/2021 at XXXX XXXX CST. The inquiry is unauthorized and TransUnions error let the inquiry be placed, while my report was supposedly frozen. After speaking to multiple supervisors regarding this issue, the state they are unable to see the time that the inquiry was made and accuse the inquiry of being made prior to the freeze being placed, which is untrue. TransUnion claims to not have factual data or time stamps of when an inquiry is placed, therefore they assume the inquiry was placed prior to the freeze being placed, which is also untrue. After explaining the situation multiple times that the fault lies in their system, in that they should have blocked the request for my credit, since the freeze was already in place when XXXX checked my credit. They refuse to remove the inquiry and no resolution was made.
Consumer complaint received 2021-04-15
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 (NY)

PayPal closed my account for no specified reason, just saying for my protection for 180 days it had been way over that period of time. They sent me an email saying my balance is available for withdrawal now but its is not allowing me and they are not providing any help. I don't know if this is some mistake with their system. It has been months now I have been living without my benefits but I was just told I can make a report on her by a friend if I feel like they are not properly doing their job. This has affected me too much as I use this as my deposit for my corona benefits. 

My account is XXXX XXXX XXXX XXXX
Consumer complaint received 2021-11-17
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. (MI)

was obviously NOT properly verified nor validated, nor updated because this information is clearly not reporting correctly which is a violation under the FCRA section 609 and you basically lied to me. So once again, how did you properly validate this account if the ( Open Date, Date of last Activity, Payment History ) is still NOT reporting correctly on each credit bureau. Nor did you supply the documentation I originally requested. So how did your properly verify this, if all this is wrong? So I demand that you delete this inaccurate information from my report immediately as we both know, you cant go back on your word. This is a false representation of my character and I am absolutely upset that you guys would break the law like this.