davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-09
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: U.S. BANCORP (OK)

This is the 3rd CFPB for my loan. reference case numbers XXXX and XXXX My daughter contacted US Bank a few weeks ago advising them, once again, that she was struggling to maintain the payments on this vehicle, due to an unforeseen financial burden. Story-her mother, was arrested and she bonded her out of jail. Her mother skipped court, and her bond was revoked. The bondsman, XXXX XXXX, sued my daughter for the responsibility of the bond totaling {$7000.00}, negotiating a payment arrangement of {$300.00} monthly until paid in full and/or her mother turns herself in. She asked US BANK for assistance with deferring the payments, and was advised very rudely that she does not own the vehicle, therefore, she can not request changes on the loan. She confirmed I purchased this vehicle for her, and she has been paying the payments for ALMOST 3 YEARS. EVERY SINGLE MONTH SHE HAS MADE A PAYMENT, whether it was the full amount owed or not. The woman advised my daughter that I would have to call and request assistance, but if I admitted that I do not make the payments, then I am not eligible to seek assistance either since I was n't making the payments. WHAT KIND OF XXXX NON-SENSE IS THIS. My daughter pays, but its not the loan, so she cant get assistance, I dont pay, but it am on the loan, yet i do not qualify for assistance. My daughter has worked for a mortgage company, for over 9 years, and they assist borrowers whom are not on the loan, all the time! They simply request verification of the non-obligor 's income and a written statement from both the non-obligor and obligor. WE ARE STRUGGLING and have made a good faith effort to ask for assistance. I am on XXXX INCOME, and only make an average of {$750.00} a month. This car payment is $ XXXX. How on earth could I afford living, and paying this vehicle. I guess I have to tell US BANK, I will figure it out. I have received a letter in the mail which states I have to pay $ XXXX by the XXXX or US BANK is threatening to repossess the vehicle. It will not be paid by the XXXX. I will make a payment of {$250.00} on the XXXX. US BANK responded and told me to contact them to ask for help, however, they will not help. I have already contacted them and I get the same story each time, by their unprofessional representatives. 

US BANK has charged me a total of {$550.00} since the month of XXXX XXXX. The attached payment history shows payments have been made every month! WE NEED HELP.
Consumer complaint received 2022-11-07
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. (VA)

I have written to all there bureau for over 60 days now no response back, I also written XXXX XXXX these agency are giving me the run around. In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681, section 6 o 2 stated I have the right to privacy,15 USC 1681 section 6 o 4 a section 2 states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

On all three bureau they have reported late payments for car, and a credit card late payment. 

I also wanted to make a complaint regarding a bankruptcy that is begin reported by all three bureau 's and XXXX XXXX, I have requested documents to show proof of were they have received this information, I have contacted the bankruptcy, courts they stated they did not authorizes any reports, So all sent letters and called to have this information removed and show me proof of how they received it. 

I have advised each bureau and XXXX XXXX  I would be filing a complaint. I will give you 30 days to respond back to me
Consumer complaint received 2019-03-14
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bepensa Capital, Inc. (NC)

Have been receiving numerous calls from Credito Real USA prior to payment due date of the 15th every month harassing me that the payment is due on the 15th. You can review my credit report and see that this account has never been delinquent. This loan had an origination date of XX/XX/2016 for a term of 66Months. 30 Payments have been made on this account in the amount of {$340.00} for a total of {$10000.00} the original principal balance was {$12000.00} the current principal is {$9500.00}. Lender changed names from XXXX XXXX and now provides loans to people with no XXXX.
Consumer complaint received 2021-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (FL)

I would like to say thank you Consumer Financial Protection Bureau and thank you for your help in protecting consumers against fraudulent acts of companies. I recently reviewed my credit profile and .... I would like to inform you of violations of the FCRA that this company has commited. This company has violated statute 15 USC 1681a ( 2 ) ( B ) of the exclusion section of consumer reports for the account number XXXX To remind this company of this law I have included it here. ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; Let me also remind this company of the definition of " credit card '' that's defined under the Truth in Lending Act 15 USC 1602 ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. I did in fact use my credit card, in this instance my social security card to obtain property on credit. This company approved my credit card, and this company provided me directly an extension of credit that originated from me, the original creditor that's defined under the Truth in Lending Act ( TILA ), which also makes this company a creditor. This information that this company is reporting on my credit profile must be excluded and they must delete their tradeline immediately. I have attached a description of the tradeline that should be excluded from my credit profile. I have also attached the contract that makes this claim true.
Consumer complaint received 2021-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX is reporting inaccurate information to my transunion credit report. They are stating that I owe a debt of {$51.00} and have reported to my credit report as charged off. I haven't done business with this company and I do not owe them anything. According to the Fair Credit Reporting Act, section 609, they are required by federal law to verify, through the physical verification of the original signed consumer contract, and and all accounts that they post to my credit report. Otherwise anyone paying for their reporting services could fax, mail, or email in a fraudulent account. These reporting 's are inaccurate
Consumer complaint received 2021-09-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Castle Credit Co Holdings, LLC, Chicago, IL Branch (TX)

collector : castle credit corp holding, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX IL, XXXX,,,, phone # XXXX i sent this company letters that were certified by US Postal return received. The last was received by the company on XXXX XXXX. I told this company that this is not my account and why they are insisting that it is but they want provide me with legal documents verifying that it is mine. Today is XX/XX/XXXX and i have yet to get a reply from this company. The account was open, according to the my credit report XX/XX/XXXX. I notice that the payment history doesn't show a payment received on that date.I also notice that XXXX is not noting that the account is being disputed by the customer.Also notice the last payment reporting different with all three credit bureaus.XXXX  report : XX/XX/XXXX, XXXX report:XXXX, XXXX report : XX/XX/XXXX ( all three Inaccurate ) ( Note ) XXXX has a payment being received XXXX, but the payment history show it being 60days late on that day.XXXX, XXXX and XXXX report monthly payment as XXXX. theirs more Inaccuracies than i have letter space for.
Consumer complaint received 2018-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: STEWARD FINANCIAL SERVICES LLC (GA)

I contacted the company concerning inaccurate information reporting to the credit bureaus. They provided me with all payments that were made on my account and when I called them wanting to know why are they reporting payments being late per the documents that were provided by there company. I was advised they were not changing the information. Im discussed with the way this company is treating there clients.
Consumer complaint received 2022-04-29
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: Early Warning Services, LLC (NC)

I am including early warnings own letter to prove my point that they break the law 605B of the fair credit reporting act subsection C. 
Their claim in their own letter is XXXX says that their records are correct. The police proved XXXX is wrong. Police rulings are the end all rulings. No more is done on that particular issue when they close a case. 
Early warning says that they blocked that information over a 1/2 a dozen times. Here is where they break the law. Subsection C of the FCRA 605B, it clearly States there's only 3 reasons they can reinsert or decline the block of that information that they have already blocked. 1 is error. 2 is materially false information. XXXX is they can prove that I got goods or services or money from the blocked transaction. 
There are none of those 3 in existence because it's simply against a police ruling to say that there was. I want early warning to address this issue based on their own letter in response to my previous complaint. They will never deal with this issue because they are lying and they are breaking the law in cahoots with XXXX. XXXX a has refused to talk to me even after 5 more attempts since the previous complaint where I left messages for the people that were supposed to get back to me in XXXX of 2021. That bank won't deal with the facts from the police either. But this is about early warning they lie to you they say that my complaints are frivolous but how can a complaint that is 100 % correct be frivolous when they are the ones breaking the law and keeping fraudulent information on my file against the law.
Consumer complaint received 2022-04-28
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)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentially under 15 USC 1681. 


XXXX XXXX Account # : XXXX has violated my rights. 

XXXX Account XXXX : XXXX Has violated my rights XXXX Account # XXXX Has violated my rights 15 U.S.C 1681 section 602 A. 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 15 U.S.C 1681c. ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of conviction of crimes which antedates the report by more than seven years.

15 U.S.C 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2018-02-03
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. (CA)

I am filing a complaint against the 3 credit bureaus XXXX, XXXX, and TransUnion. After reviewing my credit report, I noticed some discrepancies regarding the accuracy of the information on reporting accounts. I sent a dispute letter requesting the verification of these accounts and asked to be provided with the original signed contracts with the correct information which all 3 bureaus should have received before posting these accounts to my credit. I sent the initial letter on XX/XX/2017, and XXXX more letters thereafter and the issue still has not been resolved, nor have I received the verification documentation I requested more than 90 days ago. I have records of all the letters I sent to these agencies, every response letter, and credit reports for the past 90 days. After they received the first letter, XXXX and TransUnion removed one of the disputed accounts in reference but have since reapplied the account to my credit report without providing me with the verification documents I previously requested. This issue is causing me many problems. So, I am taking the next steps in order to get this issue taken care of and get these accounts verified. It is not ethical what these credit bureaus are doing. They should not be able to post inaccurate accounts on anyone 's credit report damaging the quality of their life. I am ready to seek legal action! Please let me know if I need to file an individual complaint for each credit bureau.
Consumer complaint received 2019-08-21
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: TD BANK US HOLDING COMPANY (OH)

I began receiving items back which I had attempted to return, with a form letter stating it had been determined that the items were unreturnable due to extensive wear/use. I immediately called to contest this, seeing as the returned items had been either subpar quality, or unworn with tags still attached. I reached out to the corporate office and was informed that " several people '' had followed up on the situation and determined a " concerning '' history and that no re-investigation of the non-returnable items would be considered. I was also informed that it had been determined that " our business relationship was to be terminated '', though I was still responsible for the outstanding balance on the account, even though I was no longer able to dispute my returns. The return policy clearly states there is no time limit on returns, there is no explicit mention of returnable item criteria, that the times be unworn, etc. I clearly stated in my letter that the sudden influx of returns was due to several hospitalizations that rendered me unable to try on items and process the returns. It was presented to me that I somehow abused the return policy and was therefor prohibited from further returns as well as unable to contest the appropriateness of past returns, and that no money would be refunded to my account. I was told that I would no longer be able to make purchases from XXXX, despite the fact I had just been sent a platinum credit card with an increased credit limit and a letter thanking me for my loyalty to the brand. I repeatedly asked for proof of the " excessive wear '' and other alleged abuse of the items and was told I did not have access to that information. I have the items in my possession, tags attached, and am unable to wear the items due to sizing. I should not have to pay for items that I am unable to use. My account has been closed yet I was told I was responsible for all outstanding balances, even though I am being denied the opportunity for returns. 

I feel I should not be held responsible for an outstanding balance without being given the same rights of other cardholders to return items for refund when indicated.
Consumer complaint received 2018-02-03
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. (OH)

on XX/XX/XXXX I contacted all 3 credit bureaus to complain of fraud against my credit because 2 bills showed up on my credit from XX/XX/XXXX that do not belong to me. There is no contact on file signed by me and I requested this be investigated and removed from my credit permanently and I haven't heard anything back from any of these companies. Please remove these items from my credit because its keeping me from getting new credit and these accounts don't even belong to me. There shouldn't be ANY negative items on my credit report as I have paid off all bills I owe on time.
Consumer complaint received 2021-04-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (CA)

BSI Financial Services XXXX and XX/XX/2020 mortgage payments were made on time via phone payment. 
Payments were confirmed. 
They admitted that the computer system failed to apply payments correctly and would remove all negative reporting. 
Several months of emails and correspondences, the false derogatory marks have not been removed from my credit report. 
I am still in contact with them and waiting for them to make all corrections.
Consumer complaint received 2021-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Checkr, Inc (VT)

it's me XXXX XXXX XXXX i don't really know where this consumer come from i just went to applied XXXX foods delivery then i got this, if i know it won't happen it anyway, can you guys help me with that my email is XXXX XXXX
Consumer complaint received 2021-03-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (PA)

I paid someone {$400.00} using " pay friends '' feature on the chime banking app. they have the information of the person i need refunded from because she is also a chime member. they told me they cant help me but i paid for something ive never received and i have all proof needed.
Consumer complaint received 2019-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

On the XXXX of XX/XX/2019, the creditor XXXX XXXX XXXX transmitted and requested that their trade-line be removed from my credit report. As of this date this is request has not been completed and appears to have been ignored. Attached is a hard copy of this request from the creditor asking for the trade line to be removed.
Consumer complaint received 2023-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CAPITAL ONE FINANCIAL CORPORATION (OK)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2022-10-13
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. (PA)

In accordance with the fair credit reporting Act, this creditor has violated my rights under 15 USC 1681 s602, states I have the rights to privacy. 15 USC 1681 s604a s2, also states a consumer reporting agency can not furnish an account without my written consent
Consumer complaint received 2022-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting Act, the following accounts have violated my rights. 
XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX  account # XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX US SM BUS ADMIN ODA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A states that I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2024-03-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

Under XXXX Membership # XXXX XXXX Equifax Credit reporting only. 

Section XXXX and XXXX seem to be correct. 

I only have 17 open accounts and NOT 19 what Equifax is stated. 

The extra two accounts are listed duplicate twice ...... 


I dont know who is at fault, but somebody needs to look into this issue immediately. 

I DO NOT have 2 of the same XXXX XXXX XXXX XXXX XXXX XXXX 

It is an overall concern that becomes a problem in the availability percentage and utilization ratios in my credit reports.
Consumer complaint received 2019-08-21
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. (NY)

I got a letter in the mail today which is XX/XX/2019 saying I had requested a XXXX XXXX  XXXX  dated on XX/XX/2019 XXXX This was not authorized by me in any way and under the fair credit act I would like this fraud inquiry removed from any credit reporting agency 's such as XXXX, Fico and XXXX XXXX If there is any proof or video of me walking into this bank and requesting any credit card I'd be more than happy to see it. But I am 100 % sure I did not do this. 

I went to look at my XXXX XXXX  where it shows no knowledge of any of this. I also called up us bank and told them I did not make any inquiries they told me to call XXXX  and XXXX. I came on here so I can talk to all parties Involved and get this removed.