davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-22
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Big Picture Loans, LLC (FL)

I had been receiving approval letters from this company for over a year. I have always thrown them away. This time, I was told my loan would be XXXX. Payments would be XXXX a month for 12 months. In desperation I accepted the loan. They deposited XXXX in my account on XXXX XXXX 2017. I called the Company regarding the different amount, and was told once I paid the XXXX back, that would be the end of the loan. I told them it would be paid by XXXX XXXX 2017. They withdrew XXXX on XXXX XXXX 2017. I  called the Company again, Whole Different Story. They expect me to pay 12 payments of XXXX for a total of XXXX for a XXXX loan. I am XXXX, and I feel I only owe the Company XXXX I could only get one offer from them downloaded. There are Many.
Consumer complaint received 2024-02-03
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. (GA)

I have contacted this company about the inaccuracies found on my Experian file on XXXX, XX/XX/2024. 

XXXX XXXX XXXX XXXX XXXX XXXX with account XXXX XXXXXXXX with a balance of {$5200.00}. 

The following account is reporting a balance of {$5200.00} which to my understanding that because this debt was charged off that it should be reporting a {$0.00} balance. This indicates inaccurate reporting. 15 USC states that I have the right to accuracy and fairness.
Consumer complaint received 2024-02-03
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. (GA)

I have reached out to the company about the inaccuracies that are being reported on my consumer file with Experian on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX on XXXX, XX/XX/XXXXXXXX  The following account XXXX XXXX XXXX account XXXX XXXX with a balance of {$800.00} on my Experian file. The original creditor is XXXX XXXX. This account is reported as a debt buyer with a last active date of XX/XX/XXXX. 

The following account XXXX  with account # XXXX with a balance of {$800.00} on my XXXX file. The original creditor is XXXX XXXX. This account is being reported as an open account with a last active date of XX/XX/XXXX. 

The following account XXXX XXXX XXXX with account # XXXX with a balance of {$800.00} on my XXXX file. The original creditor is XXXX XXXX. This account is being reported as an open account with a last active date of XX/XX/XXXX. 

This indicates inaccurate reporting which is in violation to the USC 1681 which states that I have the right to accuracy and fairness.
Consumer complaint received 2019-08-17
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. (CA)

Honestly I think this a problem caused by both the credit reporting bureaus and XXXX XXXXXXXX  the mortgage company reporting to them I have tried to fix the problem with all of 3 credit bureaus and the mortgage company. I am literally in the middle of a new home purchase, In doing so I got credit reports in preparation to apply for financing. I found XXXX XXXX   XXXX mistakenly reported my mortgage, which they serviced from XX/XX/XXXX to roughly XX/XX/XXXX as delinquent XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I reached out to XXXX XXXX XX/XX/XXXX with more than 15 pages of documentation..SEE XXXX LETTER DATED XX/XX/XXXX, attached here, confirming they MISTAKENLY reported my loan delinquent in error for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and would be correcting with credit bureaus "this month" (implying XXXX) I contacted credit reporting bureaus immediately - XXXX, Experian, XXXX. I was told that even though I had a letter from XXXX   that no correction or update on this could be made unless and until received DIRECTLY from XXXX XXXXl. I wen back to XXXX XXXX many many times, by phone, fax and email. I learned eventually XXXX  submits to the credit bureau. Eventually I was told XXXX  had submitted tot he credit reporting bureaus XX/XX/XXXX then changed toXX/XX/XXXX. I have contacted credit reporting agencies almost daily all say they have not received anything from XXXX and XXXX keeps insisting they have submitted the correction and that "there is nothing more we can do." In turn the credit reporting bureaus keep sending back to XXXX saying they have no record of the correction and removal of these mistaken delinquencies. In desperation I finally submitted the XXXX letter directly to the credit bureaus. Then was told If they hear nothing from XXXX  in 30 days matter will be resolved in my favor. By then I will have lost my attempt to apply for financing and my real estate purchase. Decisions on whether to approve a consumer for a loan application and at what interest rate and for what term all hinge on credit reports which for me currently reflect, in error, a major mortgage delinquency with XXXX XXXX
Consumer complaint received 2018-07-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (UT)

I went online and selected the option to pay the balance in full on all 4 cards and now Im getting statements saying I still owe them money. I talked to supervisors XXXX ( XXXX ) and XXXX ( XXXX ) who stated the only place it says that when paying that amount is on the back of a statement. Which would be fine, but I chose to pay the cards off but when I did so it did say this doesnt include daily interest it just let me pay the balance in full.
Consumer complaint received 2017-12-20
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. (TX)

In XXXX XXXX Experian took longer than the 30 days allowed for the dispute of a debt in my credit file for XXXX XXXX XXXX. When I questioned Experian they stated they are allowed up to 45 days. Under FCRA they are only allowed 30 as well as the creditor response. Experian and XXXX XXXX XXXX reguse to provide me documentations validating this account belongs to me. Experian ststed they are not required to provide me valudation of any debt in my crefit file. The debt is result of fraud/ Idenity Theft. I 'm aware that Experian is being paid by XXXX XXXX XXXX to keep the debt in my credit file. Therefore, this is why Experian refuse to delete the fraudulent debt and do not have any documentations validating this debt. I have contacted the media about this case. I also was questioned by the media how CFPB has handled this case because this is my second time filing this complaint with the CFPB. Experian also refuse to delete unauthorized inquiries in my credit file even though the creditors notified Experian to delete the inquiries. I also mailed Experian letters from the creditors telling them to delete the inquiries.
Consumer complaint received 2023-06-11
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. (LA)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2022-04-27
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)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Consumer complaint received 2021-05-05
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)

I contacted XXXX and notified them I no longer wanted this account. Apparently, the account wasn't actually closed and the annual fee was billed in error. I was contacted by XXXX 's collection department stating I was past due. Fortunately, the phone rep corrected the issue by refunding the fees and closing the account but I now see they have reported me 30 days past due which dropped my credit scores.
Consumer complaint received 2024-02-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

I noticed on my credit report there are 7 late payments with XXXX XXXX. 

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. 
Under 15 USC 1681 Section 602 states I have the right to privacy.

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

Under 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 any purpose
Consumer complaint received 2017-12-22
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: BANK OF THE WEST (CO)

This is a follow up complaibt. If ypu log me out again you eill have to deal with ic3.gov I just spent XXXX 20 minutes typing it. Short version Bank of the West 2nd company XXXX XXXX XXXX XXXX XXXX and XXXX and XXXX XXXX in all XXXX branches XXXX XXXX and XXXX. XXXX XXXX at XXXX or email XXXX all the texts emails I have. This is all connected per your inadequate response for more info it 's all XXXX connected. The loan to loan to company to bank to XXXX XXXX XXXX XXXX XXXX to my account rllihitimizing my XXXX XXXX loan do your homework or i will report you to FIX you have all the names previous complai t number XXXX now its for Bank of the West and XXXX XXXX XXXX XXXX and Florida law enforcement and XXXX and XXXX XXXX people trust accounts that were used to burry off of stolen money. If my loan is no good per XXXX XXXX XXXX then all of those bodies will have to be exumed
Consumer complaint received 2021-05-06
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. (IL)

Im submitting this complaint against XXXX, Equifax, and XXXX  due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.
Consumer complaint received 2019-08-13
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (NY)

I made a verbal agreement with Nissan of XXXX XXXX finance officer XXXX XXXX for an out the door price of a little under {$27000.00} for a XXXX XXXX vin # XXXX. While signing papers After XXXX XXXX  XXXX asked me questions and complimented my appearance and job as a XXXX  XXXX XXXX profusely. When we got to the purchase agreement I pointed to the bottom number of {$27000.00} as said that it was more than our agreed upon price. He said it was because I was paying what was owed on the lease. I signed the paper thinking that was my purchase price. When I got home I was looking over the paper as saw that he lied. The amount mentioned was my loan agreement not the purchase price. My down payment had been added to the verbally agreed upon price and that was the sale price. I arrived at Nissan of XXXX XXXX at opening but was told I had no recourse but to speak with XXXX XXXX I waited over an hour to find out he was not due in till XXXX and his manager XXXX XXXX at XXXX. I will return at that time. XXXX was unethical by distracting me while and lying to me. I made it clear multiple times that the agreed upon purchase price was the out the door price of about {$27000.00}. XXXX lied to me multiple times.
Consumer complaint received 2019-08-13
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (FL)

On XX/XX/XXXX Penny Mac Holdings, LLC, And PennyMac loan services transferred my loan to XXXX XXXX XXXX WITHOUT LEGAL STANDING, BECAUSE ONXX/XX/XXXX, the Judge For the Ninth Judicial Court DENIED A ORDER SUBSTITUTING PARTY PLAINTIFF, AND THE COURT HAVING REVIEWED THE FILE AND BEING OTHERWISE DULY ADVISED IT IS THEREUPON, ORDERED AND ADJUDGED : THE PLAINTIFFS MOTION TO SUBSTITUTE PARTY PLAINTIFF IS HEREBY DENIED ( SEE ATTACHMENT ).
Consumer complaint received 2021-05-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK (TX)

I would like to request a copy of all documents verifying that I owe the debt to DISCOVER CARD, Not limited to, but including original application with my signature on it. I have on multiple occasions informed them the account was a result of identity theft, and they keep verifying the information as accurate. I have a right to request the documents they are using to verify that the account wasn't opened fraudulently.
Consumer complaint received 2018-07-27
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. (IL)

I have tried numerous times to to work with Equifax to have fraudulent student loans removed from my report to no avail. On or around XX/XX/XXXX, i reached out to Equifax to inform them of fraudulent student loans which are appearing on my credit file. They still have not removed the items.
Consumer complaint received 2022-04-06
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF THE WEST (CA)

Ok on XX/XX/XXXX a deposit which showed pending for XXXX. It stayed pending for 3 days. In between those 3 days I have made withdraws with still clearing good staying under XXXX but I also admit after the fact made 5 more knowingly withdraws that caused overdraft of {$430.00} ( not including fees ). Monday rolls around and the bank is charging me 13 overdraft fees at {$35.00} each, on top of that I received an email from the bank of XX/XX/XXXX stating " we had a power outage which caused pending transactions to take longer than usual if you incured any fees because of this contact the bank immediately to reverse fees '' I call them and tell then my situation and the fact I made 5 withdraws knowingly I would overdraft but I will not pay for 13. They refuse to do so and yell at me on the phone with no resolution, I stay patient they would hang up the phone on my face and I would call back they would answer put me on hold for half hour only to comeback yell at me again and hang up the phone. I had to call them 5 times and they refuse to understand what I was trying to explain. It even shows on my statement as if that pending deposit was put in on the XXXX and all 7 withdraws I made with that money still kept my money in a positive balance. So they had issue with pending deposit yet refuse to admit it. I even got a call from a supervisor within the same day name XXXX who said I didn't know what I was talking about and when it was my turn to respond to her words she hangs up the phone. I have recording of all the conversations except the first 2 calls I made as well.
Consumer complaint received 2024-02-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$13000.00} XXXX XXXXXXXX Balance Owed : {$7100.00} XXXX XXXXXXXX Balance Owed : {$170.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$1600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-04-27
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. (TX)

The Credit Bureaus stated XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, and XXXX XXXX # XXXX, was properly investigation but how is that possible if the open dates is inaccurate, the last date active is inaccurate, the last reported is not accurate, Account numbers is inaccurate, last payments is inaccurate, time length inaccurate and the dispute status and credit remarks don't match. This ground for removal. They also violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a Account without my written instructions. 

I haven't given these Accounts written permission to furnish these accounts on my credit report.