davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-20
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: CORELOGIC INC (LA)

OnXX/XX/XXXX XXXX XXXX XXXX (now XXXX XXXX) did a credit inquiry through CoreLogic Credco against my wishes.On XX/XX/XXXX XXXX XXXX XXXX did a credit inquiry through CoreLogic Credco against my wishes.
Consumer complaint received 2022-10-12
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. (MI)

15 U.S. Code 1681a - Definitions ; rules of construction. ( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for credit.

Now my concern is why my consumer report and credit report are talked in two different aspects. From the previously stated congressional statement the credit report cant exist without the consumer report. So the governing laws of the consumer report should govern the credit report as well.

Well there are violations on the way my credit report is being used without my credit consent. Looking deeper into the code 15 us code 1681a section 2 ( exclusions ) Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

My consumer report ( credit section ) has transactions and experiences between me the consumer and the person making the report. These accounts are in violation and need to be corrected in 10 business days from the time this notice is received.

In closing Im enacting on my consumer rights of having a accurate consumer report, that reflect my credit worthiness. This is a notice informing you of the error and chance to cure this error. Failure to cure will show civil liability for willful non-compliance.
Consumer complaint received 2022-04-07
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. (GA)

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

15 U.S.C.1681 section 602A. states i have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-12-07
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. (ME)

XXXX XXXX  XXXX is slandering my credit reports, claiming that I owe several thousands of dollars on a student loan THAT I NEVER TOOK OUT. I had APPLIED for a student loan with this company nearly 3 years ago for a XXXX XXXX XXXX XXXX course that I WAS going to take and I was approved for said loan ; however, there were MANY red flags about the online school that I was planning to enroll in, the most concerning of which was that I discovered they did NOT have the proper XXXX accreditation that was needed. Had I not completed a course that was XXXX accredited, I would not have been able to obtain employment as a medical biller/coder. Therefore, I immediately CANCELED my enrollment in this course and NEVER TOOK IT. However, for the past 2 years, XXXX XXXX XXXX XXXX has been falsely reporting to the credit bureaus every single month that I have not paid them and they continue to tack on illegal fees to inflate the balance. 

Launch Servicing is in direct violation of the Consumer Credit Protection Act, the Fair Credit Reporting Act, and the Fair Debt Collection Practices Act. They have been made fully aware that I DO NOT owe this debt, yet every month, this company is repeatedly communicating incorrect and defamatory information to third parties, including, but not limited to XXXX, Experian, and XXXX. This false reporting has reduced my once excellent XXXX score of XXXX to XXXX and it continues to drop as a result of these incorrect missed payments being reported monthly. 

As a result of these blatantly reckless, wanton, and intentional acts, I have suffered and continue to suffer general and specific damages in that I am unable to obtain new credit and I was even turned down for a job that required a credit check as a direct result of this incorrect reporting. There are MANY complaints against XXXX XXXX XXXX relating to credit reporting/collections and even a lawsuit that was filed against XXXX XXXX  this year in XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ). 

I am now demanding the immediate and complete removal of this account from my credit reports. If your company XXXX XXXX XXXX XXXX XXXX ) fails to comply, you will be required to appear in a court of law and I will be allowed to seek monetary damages from your company.
Consumer complaint received 2020-07-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME FRAUDULENT ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT FILE WITHOUT MY KNOWLEDGE. THESE FRAUDULENT ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT FILE. I HAVE NO IDEA HOW MY PERSONAL INFORMATION WAS OBTAINED BY WHOMEVER THE INDIVIDUAL OR INDIVIDUALS WHO DID THIS DAMAGE TO MY CREDIT. IT HAS NOW BECOME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE FRAUDULENT ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT BELONG TO ME.
Consumer complaint received 2021-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: FactorTrust, Inc. (CA)

This company as been collecting personal financial information about me a selling it as a part of a service they provide. I have never been informed of this collection nor have at any time given them permission to do so.
Consumer complaint received 2021-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION (LA)

I was taken advantage of by Credit Acceptance. The used car XXXX XXXX XXXX XXXX miles, purchase price was {$15000.00}. I was charged 22.99 % interest. The interest rate was way too high and over the allowable 21 % in Louisiana. The total is {$30000.00}. Payments are {$550.00} at 51 months. This loan was made XX/XX/XXXX. So far, Ive paid over {$10000.00} on this fraudulent loan. 
The company is also reporting 2 late payments on my credit report. I am attaching proof that payments were made before 30 days each month. Please investigate Credit Acceptance.
Consumer complaint received 2021-05-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Date of the transaction : XX/XX/2021 Transcation amount : {$1200.00} What happened : I paid someone through XXXX XXXX  using my Bank of America debit card for the purchase of a guitar, which never arrived and it turned out the seller was a scammer. I'm not able to reach him after I made the payment, and the seller 's XXXX  account was deleted after the transaction. 

I filed a claim to dispute this transaction with Bank of America and they denied saying it's XXXX 's responsibility to help with the chargeback. However, I did contact XXXX before I filed the dispute and they asked me to contact BOA and think I would be able to get my money back.
Consumer complaint received 2022-04-07
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Creditors Bureau Associates (GA)

Credit Bureau Associates of GA located in XXXX, GA reported XXXX ( XXXX ) medical bill balances to my credit report without sending me notices in the mail. According to the Federal Credit Report Act you have to notify in writing prior to reporting to ones individual credit report. I had no knowledge of these balances. I would have paid the balances from the start of the original credit would have sent me the notices in the mail and they fail to do so also. On the other hand, the new law that was passed in XXXX was violated also. A medical collection debt can not be placed on ones credit reporting until after 6 months of medical provider receiving explanation of benefits from the patients insurance company. CBA reported before the 6 months which violates my rights as a consumer. I will be contacting the attorney general and requesting an audit for all their accounts and possibly generating a link for consumers to sign a petition for the negligence this company has caused. Also, I will be filing a claim in court if these XXXX accounts are not removed. Im more than happy to pay the doctor if I owe the amount but creditors should not be allowed to file until they have the resolved info. I filed a grievance with Ambetter insurance back in XXXX for the type of services and treatment I received from the orthopedic. Per XXXX XXXX I was informed not to pay anything until their investigation was finished. XXXX XXXX requested documents from Georgia XXXX and never received the documents. I will be having my attorney reach out to Georgia XXXX for all the paper. XXXX has crossed all boundaries and will be dealt with. All of this happened while the worst thing was going on in the world XXXX. As a military veteran who has fought for this country I despise a company and organization like this. I will also be contact the veteran administration and get them involved as well.
Consumer complaint received 2021-07-17
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

Dear CFPB, I file a complaint against Bank of America last year XX/XX/2020. They had escrow my account for my home mortgage and to pay my taxes. I completed a refinance of the exiting loan with another banking company at the end of XX/XX/2020. My township where I live report that none of the taxes where paid from the escrow account, which total over {$10000.00} in escrow. I am unable to speak with an agent over the phone at the number Bank of America provided me with XXXX extension XXXX, even though I have left messages. I feel it is not right nor fair to have to pay back taxes on a loan that had an escrow account set up to pay the taxes, sewer and water. 
Thank you for your continued assistance to this matter.
Consumer complaint received 2020-10-29
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 — Investigation took more than 30 days
Company: Nelnet, Inc. (MA)

Good Afternoon ; I was shocked today when I reviewed my credit report again and found late payments for my student loan accounts. I disputed this account and nothing was sent to me to legally verify the accuracy and legitimacy of this reporting. It continues to report incomplete, inaccurate, and unverifiable information, and therefore, it's impossible that it was investigated and verified as being accurate Hows it possible that youve reported me 90 days late with no late payments prior to that like the 30 and 60 days, and questionable balance still reporting? Also, wasn't XXXX student loan servicer sued for not applying payments to consumers accounts correctly. This is reporting in violation of my rights and honestly, i don't want to waste your time nor mine going back and forth, and I would like this removed from my credit as I was never late the way you're reporting it.
Consumer complaint received 2021-07-13
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: Tesla, Inc. (AZ)

I leased a XXXX XXXX XXXX through Tesla Motors, Inc. I have the ability to sell my car to a Dealership under the guidelines of this contract. I submitted a Sell to Dealer request on XX/XX/2021. They emailed me saying they would contact me with further instructions within 24-48 hours. It is XX/XX/2021 and they have not contacted me or the dealer yet with an accurate payoff. I was forced to make another payment on the vehicle because they failed to provide me and the dealer proper information to payoff the vehicle. They have violated Regulation Z 1026.36 ( c ) ( 3 ).
Consumer complaint received 2021-05-26
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (MO)

My complaint is against my current mortgage lender, Caliber Home Loans. To start, I've been in the mortgage industry for almost 20yrs and I am shocked and dumbfounded by the deception of this company and the constant harassment I've received and I've kept documentation for proof. First off, the prospect of removing my Mortgage Insurance with this company seems impossible. I have way more than 20 % equity in the home and my MI is eligible to be released, but when I've called ( after receiving refi offers from Caliber ) they say I am not eligible without giving a reason. They also refer to my escrow shortage ( I currently escrow with Caliber ) as being delinquent which is not true. When I thought I was ready to drop my MI, they took my payment from XXXX to {$1900.00} to account for this shortage which is a ridiculous increase and forced me into my next situation. 

I applied for the Safe act forbearance in XXXX only to be approved immediately on XX/XX/XXXX, then I was sent a letter dated XX/XX/XXXX from Caliber saying it was denied and there are better options for me? How is this the case? When the federal govt decided to offer this great assistance, was it determined the lender can deny it ( I have a fha loan ) and tell me I should modify loan or sell? I am constantly harassed by Caliber with phone calls to the point I had to block them. I have record of a call everyday going back over 60 days. I have advised them many times I use this phone for call but that only seemed to intensity the call.

Again, I've been in this industry for a long time spanning from XXXX, XXXX  XXXX XXXX and now XXXX XXXX  and I have NEVER EVER, seen this type of practices. I have consulted a real estate attorney in this matter as well but I am hoping and praying the correct action is taken and this company is investigated because they are taking advantage of people in times when people need help. It's wrong. If needed my Loan # : XXXX Thank you!
Consumer complaint received 2023-04-06
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. (GA)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 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 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 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 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 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 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 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 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 2022-04-07
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Coinbase, Inc. (NY)

I contacted an advertisement in XXXX XXXX  selling a XXXX XXXX XXXX XXXXXXXX. 
The text me and send me information about the XXXX via email. Send me a link with the photos. They used a fake XXXX website so i will trust them. The asking price XXXX including shipping. She says she travels a lot with her husband and want it to do the deal through XXXX 's buyer protection program. She said she had a contract with XXXX XXXX  to do the deal on her behalf. She said was listed in XXXX too. She sent the link to see it in the XXXX web site. ( was a fake web site ). She says i need to hit the buy it now botton and follow the instructions to do exactly what they said. She urged me to do the deal because there were other serious buyers and she will cancel all other offers. She added there were a few buyers asking for the motorhome. 
I want it so i hit the buy bottom. 
Got another email supposed to be from XXXX. Asking for my DL and ans assure me that XXXX XXXX will hold the momey wire until i verified the car and title. They assure me they are a third party in the transaction and they will put the money in XXXX escrow account. 
They verified my id and asked for a selfie of me. I sent all. ( STUPIT ME ) SENT to coinbase Inc account they asked me to send XX/XX/XXXX $ XXXX IN A WIRE and did not have the rest of the money so sent XX/XX/XXXX, a wire for $ XXXX with my other account. They replied that they got XXXX only. And want it me to re send the XXXX back again ( i smell the scam by then ) called the bank inmmediatly to cancel the wire. I got back the XXXX in my XXXX XXXXXXXX XXXX account But the XXXX was gone. XXXX XXXX The bank told me coinbase inc withdrawed the funds and closed the account.The scammers never replied back to me. I got scamed.
Consumer complaint received 2022-04-07
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. (NY)

It has been over 30 days since I've sent a dispute letter to this agency to investigate incorrect information in my consumer report. This agency has yet to notify me of any investigation findings. This negligence has greatly affected my ability to engage in commerce
Consumer complaint received 2022-04-07
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. (WI)

I have reached out to all 3 credit agencies but was not resolved. I have been violated according to the laws of the FCRA which states, " I have the the right to obtain documents relating to fraudulent transactions made or accounts opened using your personal information, I have the right to ask that a consumer reporting agency block that information from your file. '' I have filed a report with the consumer federal trade commission as well and I have attached that report to this complaint as well.
Consumer complaint received 2021-05-26
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (FL)

XX/XX/XXXX wells fargo bank sent me a letter of apology with a cheque valued at {$400.00} for a set-off that was performed in error from my savings account. The set-off performed XXXX XXXX, XXXX was to cover an overdraft in my checking account for {$310.00}. This process was not suppose to be carried out since I had previously removed the link between the two accounts. 

I called the bank explaining to them the errors in this situation and that the money was intended for my car payment. Despite my explanations they said " we can do whatever we want with this money. '' As a result my car was repossessed XXXX XXXX, XXXX because they took a portion of the {$2300.00} I had in my savings for the loan provider. Even though I explained to my loan provider what the bank did the loan provider would not accept anything less then the full amount.
Consumer complaint received 2020-11-23
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: EQUIFAX, INC. (MI)

I have disputed the balance owed on a {$5000.00} student loan that I paid off in XX/XX/XXXX. I despite the amount owed on my credit report with all three credit bureaus and they all have not removed the debt from my score in which no changes where made. They initially two of the bureaus temporarily took it of my credit score that dropped my score by 4 points with giving me points credits for paying down my student loan balance. When I reported them to the XXXX they put it back on my credit report again not properly resolving, reporting, or giving me point credits for paying of my debt!!! I think the credit reporting agencies are purposely degraded my credit score by withholding payment information or miscalculating or reporting information!!!