davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Colony Brands, Inc. (CO)

I was told by the company in question that when i paid the account in full that they would remove the derogatory account from my credit report with the 3 credit bureaus. I paid the account but they never removed the account from the three credit bureaus.
Consumer complaint received 2024-01-24
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: AMERICAN HONDA FINANCE CORP (NJ)

I leased a XXXX XXXX XXXX in XXXX. The lease was for 3 years and in XXXX I went to the dealership and saw the down payments and monthly payments and was advised to extend the lease if unaffordable. I extended the lease a total of 15 months and in XXXX of XXXX I had to turn in the vehicle, purchase the vehicle or lease another vehicle. The buyout was for XXXX and wanted to finance that because the down payment and monthly payment on a new XXXX was upwards of XXXX a month with a XXXX down payment. I said to the salesman lets finance the existing vehicle. He says ok and walks away to talk to financing. He returns and says sorry theres a stop sale recall on your XXXX XXXX and we can not legally sell you this car. I said huh. He says yeah, unfortunately you have to turn it in and purchase a different vehicle. I couldnt leave with the car because the lease was up. I called XXXX XXXX and another XXXX number, the financing line gave me. Both representives were no help. They said we dont sell cars you have to talk to the dealership. I felt pressured to buy a car because my lease was up and couldnt wait any longer to get the recall fixed so they could legally sell me my existing lease. I thought XXXX XXXX somehow compensated a customer whos been with them for XXXX vehicles now and didnt create this situation. Id like my story to be told to an executive at XXXX but they will not even initially respond to my request.
Consumer complaint received 2022-02-23
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the fair credit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-14
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: Experian Information Solutions Inc. (DE)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible
Consumer complaint received 2022-04-14
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: EQUIFAX, INC. (DE)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible
Consumer complaint received 2022-04-14
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.
Consumer complaint received 2018-12-24
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. (FL)

This complaint is for Equifax and XXXX. I was a victim of identity theft and sent in my police report and both of these bureaus refuse to block the negative reporting of these items, although they have to by law. I have been in contact with them several times and haven't been given a reason as to why they haven't removed this information. These items were made without my knowledge and i am now being negatively affected by these items and i am not getting assistance with this issue by the credit bureaus. this is my third complaint.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I reviewed my consumer reports and noticed that i had XXXX late payments on an account that i was, never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot insde this complaint in on dates of XXXX Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated immediately to paid as agreed on time as they shold be due to the fact i was never late or deletion of account immediately within 5 business days. Thank you so much for your time.Please see screenshot attached :
Consumer complaint received 2022-02-22
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've been reporting these accounts XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX USA XXXX A ) XXXX and XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX USA XXXX XXXX ) XXXX for a long time. A Charge Off Account with Balance? The bureaus keep on reporting inaccurate information on my credit file? I even asked for verification and I never received any correspondence from them ( XXXX, XXXX, and Transunion ) This account is reporting incorrectly. I see Different dates on last active which is inaccurate. Attached are my dispute letters and the recent screenshot of my credit report XX/XX/2022
Consumer complaint received 2017-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In 2013 I consolidated my student loans through XXXX XXXX. Since this time I have been paying my consolidated loans on time and they are in good standing with XXXX ( after it broke off with XXXX XXXX ). Several months ago I was looking at my credit report online and the score dropped over 100 points. I looked checked why and it turns out that XXXX XXXX, for some reason, did not pay off the entirety of my loans that were to have been consolidated. The total amount owed now is rather small, I think around {$50.00}, so I am not concerned about that. I am, however, concerned about the damage that was done to my credit report. I have in the past several months I have called the Department of Education as well as the company now owning the loans who both tell me to contact XXXX. I have contacted XXXX several times and every time the customer service representative is very understanding and helpful but nothing ever comes from the call. The loans are still not payed and they have not said that there is any reason why they should not be payed and my credit score is still down over 100 points.
Consumer complaint received 2018-12-24
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (DE)

We were applying for a mortgage loan with Wells Fargo Bank, N.A. On XX/XX/2018, Wells Fargo sent the initial mortgage loan disclosure package, with all our personal information, such as our names, dates of birth, social security numbers, bank account numbers, previous addresses, bank account numbers, everything, to the wrong address. When we did not receive the package, we contacted Wells Fargo and then discovered that they had sent it to the wrong address. Well Fargo advised that they would make efforts to retrieve it, but to date, XX/XX/2018, we have heard nothing back from them. We had to change every bank account and credit card we have.
Consumer complaint received 2023-01-13
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)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2022-04-14
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XX/XX/2021 I was sent a letter from XXXX XXXX, CEO of Carrier Group Companies that they had a security incident and the privacy and security of information was breached. Shortly after that - my identity was stolen and credit cards opened in many different big box accounts like XXXX, XXXX XXXX, XXXX, XXXX XXXX etc. I was able to deal with their fraud departments and I froze my credit with all 3 credit bureaus. 

However, I had a Capital One XXXX XXXX card ending in # XXXX opened via an online account in XX/XX/2021. I have called Capital One more than a dozen times reporting the breach - and each time they report they have " investigated '' this account and it is my account and I must pay the bill. No matter what I do, who i speak to it is always the same answer. 

I have reported this breach, faxed in all required documentation, offered to meet with a banker in person - and to literally no avail - I can not get this one account cleared up. 

When I ask for the results of their " investigation '' to my issue- they say they can not provide me with any additional information and I should speak to collections to pay my bill. 

I would like to issue a formal complaint against : XXXX XXXX Capital One Financial Corp XXXXXXXX XXXX XXXXXXXX XXXX XXXX, VA XXXX I want to see the results of WHO via IP address of where my supposed account was opened. I want to see what the application was, I want to see what the results of their investigation against me was. 

Capital One Bank is the only bank that refuses to help me with my fraud claim - and their agents are so unhelpful- i think their internal practices should be investigated. 

I am reaching out for assistance in anyway you can offer. 

I hope to hear back. 

Thanks XXXX XXXX
Consumer complaint received 2021-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Penn Credit Corporation (GA)

Payment was made in full to PennCredit on XX/XX/21 in the amount of {$900.00}. They have updated my XXXX  credit report to show the balance has been satisfied but they will not remove it from my credit report. The fact that the collection still shows even though its paid, is still hindering me from credit approvals.
Consumer complaint received 2023-07-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CCS Financial Services, Inc. (FL)

Hello, Ive received the same collection multiple times and Ive settled this debt in the past, they keep filing new reports and hurting my credit score multiple times, please remove this from my account. Thank you
Consumer complaint received 2022-04-14
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TIDEWATER FINANCE COMPANY, INC. (CO)

Well I have had car for 2 years financed it out at XXXX at about XXXX dollars it is showing I still owe XXXX XXXX dollars payment is XXXX dollars a month on top of that I sent them a check from the insurance for about XXXX dollars with a letter stating that it was to go to principal and it still has yet to reflect because payoff is still showing XXXX and then some this is insane and to top it off they reported to all three Credit bureaus that it was in my bankruptcy when in fact I purchased it after I closed on it!
Consumer complaint received 2021-06-12
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CL Holdings LLC (NM)

On XX/XX/2016 someone opened a line of credit in my name with XXXX. The parent financial institution is Jefferson Capital, they are the one holding the dent in my name. I was in XXXX  XXXX  between XXXX through XXXX. The amount of {$540.00}.
Consumer complaint received 2022-04-14
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NC)

I need help with a dispute that I sent on XX/XX/2022 regarding some inaccurate things on my credit report. It has been almost 30 days and I have not received a response. This makes me feel like I am being ignored by the bureaus. This has caused me a lot of stress and I am asking that these items be removed from my credit report. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2017-08-29
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. (GA)

I have been fighting the accuracy of my XXXX student loans that have been out of default sine last year of XXXX XXXX where i did a rehabilitation program with XXXX and all of my loans have been out of default and paid as agreed with a XXXX balance as i have also consolidated all of the XXXX loans into XXXX loan! I sent a email to the XXXX of XXXX and got a email back from XXXX of his workers! XXXX XXXX! she informed me that i did in fact have them as my servicer as the original bank XXXX sold it to them back in XXXX! Now in XXXX i had lost my job and apartment so I never received the mail and or the welcome letter that XXXX stated that they infect sent out! Well today she emailed me a letter saying they could not removed the payment status of XXXX past due as that event happened before i rehabbed my loans although XXXX the XXXX bank has done so once i completed my program, but yet XXXX XXXX is saying they can NOT! In the welcome letter that XXXX XXXX sent me it Clearly states that XXXX sold them only XXXX of the XXXX loans! Which i still never received that letter, she emailed it to me today to show they had a letter but there was no proof to show it was actually mailed out but i would not have gotten it as I was not living at that address. It shows that these loans are supposed to fall of my report next year XXXX! but these XXXX accounts that are not even theirs are showing 120 days past due is making it hard for me to get a home. I sent a goodwill letter and have had no luck! But with the information I have they only brought XXXX of the XXXX loans.
Consumer complaint received 2023-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

Experian will not correct the spelling of my last name and will not delete my previous addresses. Misspelled names and unnecessary data on my consumer report puts me at greater risk to identity theft. I have updated all relevant accounts to the current and correct address. 2 prior requests to Experian to correct the data have been submitted via certified mail but I've only been ignored. Please take notice of the attached credentials and receive receipts. 

According to 15 USC 1681 ( a ) ( 4 ) : There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. 

Experian is disrespecting my privacy.
Consumer complaint received 2023-09-15
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: Experian Information Solutions Inc. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2022-04-13
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southwest Recovery Services, Inc. (NC)

I cancelled my service and they kept billing me and would not stop. After I had a zero balance. They continued to send false invoices. The last invoice I got was for {$150.00}. Now they are falsifying documents saying I owed {$1100.00}. XXXX XXXX XXXX falsified the amount owed and Southwest Recovery ( collection agency ) would not provide me proof of any contract signed by me to this bogus debt. PLEASE HELP. This is a copy of the email from XXXX XXXX XXXX when they continued to charge me inaccurately. 

Please contact the Collections department regarding your past due invoice. 
Inbox Collections Department XXXX XXXX XXXX XXXX XXXX via XXXX XXXX, XXXX, XXXX, XXXX XXXX  to me View this email in your browser XXXX : XXXX XXXX delivered C # # # # # # # # # # d, This is a friendly reminder that your account with XXXX XXXX XXXX, is past due. XXXX XXXX XXXX provides credit card processing for your business through your relationship with XXXX XXXX XXXX, XXXX. According to our records, your invoice balance of {$150.00} remains unpaid. Additional fees and costs may be due, based on your merchant account activity Please contact the Collections Department at ( XXXX ) XXXX if you believe there is an error in the amount due or if you would like to discuss payment arrangements. Collection representatives are available Monday through Friday, from XXXX XXXX to XXXX XXXX ( XXXX ) to assist you with resolving this matter. 

Payments should be sent to : XXXX XXXX XXXX XXXX Department XXXX XXXX XXXX XXXX, MI XXXX If your payment has already been mailed, please disregard this notice. 


Thank You, XXXX XXXX XXXX Collections Department XXXX
Consumer complaint received 2021-06-12
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. (MD)

Experience is not withholding to the law. According to the FCRA, In thirty ( 30 ) days the credit bureaus have to reply to my disputes letters, which they did not ... So furthermore legally these unverified and unauthorized items must be removed!!!!
Consumer complaint received 2022-04-13
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. (MO)

15 U.S.C 1681 section 602 A - Right to privacy 15 U.S.C 1681 section 604 A - states a consumer reporting agency can not furnish an account without my written consent.

15 U.S.C 1692K - XXXX XXXX XXXX XXXXXXXX - XXXX - This account is reporting illegally and improperly XXXX XXXX XXXX - XXXX - Account should have never been reported to my credit XXXX XXXX - XXXX - Never provided written consent to report XXXX XXXX - XXXX - Reporting illegally, Review and delete ASAP. 

I just can't believe how you guys are verifying inaccurate and improper information, this has caused me so much stress.