davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-07
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Santander Consumer USA Holdings Inc. (CA)

I have been making car payments on a XXXX XXXX for close to 2 1/2 years at the amount of {$530.00} per month. 
I actually have had a hardship with my bank and XXXX said I was short one payment while I still was making auto payments from my XXXX XXXX ACCOUNT. I had been making payments on prior car loans faithfully for ten years through XXXX XXXX AUTOPAY. When XXXX XXXX claimed that I didnt make a payment I still had AUTOPAY. XXXX XXXX didnt own up to anything. Money had been taken from my account but it didnt show a payment made. The bank is in error but refuses to acknowledge when I try to talk with them. I made 3 attempts talking with XXXX Staff. Twice in person and once on the phone. XXXX XXXX took about {$470.00} of my checking account money in XX/XX/XXXXto o pay to pay XXXX XXXX Credit Card Services because the bank aloud the CC to run over its limit instead of declining charges made over the credit limit. I also pay {$150.00} per month on the {$3500.00} credit limit card for many years. So I receive a Federal SSI Check. Soon as that was submitted on XX/XX/2017 XXXX XXXX scooped up the money and I hadnt authorized that. I then had to stop autopay on my car loan. I didnt have enough money left to pay on my car. I had to wait until XX/XX/2017 to make a partial payment on my car of {$410.00}. I had to get XXXX XXXX to give my money back to the checking but they refused. I couldnt make XXXX Payment, XXXX, XXXX, XXXX, and I would have payed towards it at the end of XXXX but they illegally came and repossessed my car last week. The XXXX, Ca. Police Department told me the car was not up for repossession the night it was taken. Now I have no car. The XXXX XXXX XXXX me up for close to {$1000.00} that I couldve paid on my car. 
My money I receive from the Federal Government is for a XXXX that I have. I am filing soon for veterans benefits. I feel taken advantage of and I need my car for doctors appointments etc. 
I am in dire need of help. 10 years + of making car payments and never missed or late ... Please help me get my car back or something else to drive ... 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: Experian Information Solutions Inc. (FL)

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter by certified mail to help establish a legal recourse. If you choose to not block the inquiry listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start legal action. Its my intention to not pursue any legal action so please adhere to the law and remove all negative items listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, FLXXXX XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXX Balance : {$0.00}, XXXXXXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-15
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc. (MI)

When the pandemic first happened I contacted The Avenue credit card and Torrid 's credit card credit protection company Account Assure to notify them that I was laid off from my former employer due to Covid-19. I sent in my lay off letter from my employer which clearly outlined that I was laid off due to CV-19 and to file for unemployment benefits that would not be contested due to the pandemic. I also contacted The Avenue and Torrid to let them know that I was laid off due to CV-19 and requested my payments to be placed on hold until I received the approval from XXXX XXXX I was told by the CSR that my accounts would be put on hold for 2 months with no payments due because of the high volume of requests that XXXX XXXX was experiencing because of CV-19. In XXXX of 2020 I received a letter from Assure Assure stating that my payments would not be covered due to my former employer using the word furlough and lay-off interchangeably throughout the letter. XXXX XXXXXXXX stated that I was not experiencing a financial hardship due to my employer listing that I was furloughed in the letter. I explained to the representative that a furlough and a lay-off is the same exact thing by definition. I was told that the insurance coverage that I paid monthly for would not cover my payments. By this time I had missed payments on both of my accounts which are through Commenity Bank because the CSR I previously spoke with works for both The Avenue & Torrid never placed my accounts in a hold status. Due to the CSR not placing my accounts on hold ; Account Assure not covering my monthly payments and I had not received my unemployment benefits yet I have XXXX & 60 day late payments being reported on my credit report for my Torrid & The Avenue accounts. I also spoke with a supervisor at The Avenue & Torrid call center in the fall of 2020  after disputing the late payments with all 3 major credit bureas and was told to submit all documentation online. The supervisor stated my payments should have been covered by XXXX XXXXXXXX and the late payments would be removed. I submitted all documentation online as requested and the late payments were never removed from my credit reports. Instead I received a letter in the mail from both accounts stating that they have to report my payment history accurately to the credit bureaus and the late payments being reported would not be removed. Which is contradictory to what I was told by the supervisor I spoke with over the phone.
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 — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

I AM LIVID!!!! This is my 4th attempt to correct my consumer report!!! 

These accounts need to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX These Addresses need to be removed : XX/XX/XXXX FORMER XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX XX/XX/XXXX FORMER XXXX XXXX XXXX , XXXX, PA XXXX XX/XX/XXXX FORMER XXXX XXXX XXXX XXXX XXXX , XXXX, PA XXXX XX/XX/XXXX FORMER XXXX XXXX XXXX , XXXX, PA XXXX I do not recognize these hard inquiries and they need to be removed also : XX/XX/XXXX XXXX XXXX , XXXX XXXX XXXX , XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX , NY XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX, XXXX, TN XXXX XXXX  The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written permission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( XXXX ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( XXXX  ) the information is, in fact, inaccurate.

The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this.
Consumer complaint received 2024-02-27
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. (TX)

I reviewed my Consumer Reports and noticed that I had one late payment on an account that I was never late for. 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 to the account and in fact paid this account complete balance XXXX ahead of the loan term agreement. XXXXXXXX XXXX  Account # XXXX. Please investigate and provide proof with statement showing that this payment was late. If proof can't be provided I demand this account payments to be updated to on time as should be as I was never late. Thanks
Consumer complaint received 2018-03-07
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONS DIRECT MORTGAGE, LLC (TX)

I filed a complaint on my mortgage company a few months ago because they are refusing me any kind of loss mitigation. 
I lost my job for a few months and asked for a modification or loss mitigation. They just keep sending me the application over and over again. 
After I filed a complaint on NATIONS DIRECT MORTGAGE through you, they answered and stated that they are working on it. They again sent me paperwork to start the process, and they never processed it or anything. Now they sent me another application instead of the answer to my modification application. This mortgage company is playing games and are trying to illegally foreclose on my home PLEASE HELP ME
Consumer complaint received 2021-03-02
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. (FL)

I took out a personal loan with XXXX XXXX XXXX in XXXX of XXXX in the amount of XXXX for 3 years - 36 payments. This loan was ALWAYS paid on time, every month, with never a single late payment. 
The last payment was sent in XX/XX/XXXX in the amount of {$1200.00} for the remaining balance on the loan per their payoff schedule. 
Three months later I get a notification that my credit report has a derogatory mark from this company for {$100.00}. 
I have never received any notification, bill, or statement from them for this amount. 
Since I was notified of this charge I have tried to access my account online through multiple avenues but appear to be blocked from access to any of my data after the loan was paid off. It can not find my account information, it's as if the loan does not exist even though I was previously able to access it. 
I have emailed and called over a three week period asking for an explanation. Emails were never responded to. On the phone calls, I was told a manager would look into it and call me back, which has never happened. 
Now I have this derogatory mark on my credit report causing problems for me, with nobody at this company able to explain this charge or provide any information whatsoever.
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MO)

I was recently contacted from a representative at XXXX XX/XX/2024. 
I was told they were assigned my Obligation from XXXX. 
Because I wasnt aware of the assignment change, I then asked XXXX for the Master Promissory Note, and all accounting records. I didnt receive the accounting records, and the promissory note was missing information and signatures were copied and pasted. XX/XX/2024 I asked for the original Master Promissory Note, I didnt get a response. 

Then XX/XX/2024, after not hearing from XXXX. I received a billing statement, but instead of the billing statement coming to my original address, like all the others. It was sent to my Work address. I never put a request to change of address with XXXX. 

I then called XXXX to see why was my address changed, I was told they changed my address XX/XX/2024. When I asked who changed the address, I was told they use something called Skip Tracing. I Never changed my address with USPS. And my Employer doesnt release private information. 

Instead of sending me the documents I asked for, XXXX changed my address.
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: Experian Information Solutions Inc. (NJ)

I am writing to express my concern regarding fraudulent items on my credit report. I recently discovered several entries on my credit report that were not authorized or initiated by me, causing significant financial damage and negatively impacting my credit score. To elaborate, these fraudulent items include credit accounts that were not opened by me, as well as charges and loans that I did not initiate or receive. The total amount of these entries is substantial and is causing harm to my credit score. I need the following items removed from my Credit File as soon as possible : XXXX XXXX XXXX XXXX Balance : {$6000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1300.00} XXXX OF XXXX XXXX Balance : {$410.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$470.00} XXXX XXXX XXXX Balance : {$440.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$770.00} XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX. Despite my efforts to dispute these items with the credit reporting agencies and creditors involved, I have not received a satisfactory resolution. I have provided documentation and evidence of the fraudulent activity, but the items remain on my credit report.
Consumer complaint received 2021-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the inquiry that is still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXXDate of Inquiry XX/XX/XXXX XXXX
Consumer complaint received 2018-03-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (NY)

I tried to call them and exaplina what was happening with ny card. Theyve know for two years when I had the card I made continuous on time payment. They did not give me the change to work it out them.
Consumer complaint received 2019-03-19
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: AUTOMOBILE ACCEPTANCE CORPORATION (GA)

I financed a car loan with Automobile Acceptance for a XXXX XXXX XXXX .payments we re {$170.00} bi weekly for 58 months and CPI {$38.00} .during that time I was never late with car payments missed a few CPI during the duration but not many. The car stopped running almost the end of XXXX of XXXX I asked that they remove the CPI they refused stated i need to purchase FULL COVERAGE I refused to pay full coverage for a 10 year old broken down car..On XX/XX/XXXX I made my last payment over the phone which I was told would be {$170.00}. a month later they started contacting me saying I owed {$610.00} .I asked for what they really couldnt explain how .I asked them to foward me documents explaining how could I owe this .I received a letter end of XXXX saying it was for CPI payments from XX/XX/XXXX. I pulled out my bank statements because I knew for a fact that I never missed that many payments ..For this reason they are refusing to give me a title. I have a peace of junk in my drive way I cant get rid of without a title.They have also tarnished my good credit by adding this payment on my credit report. Please help
Consumer complaint received 2019-03-19
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. (TX)

Equifax, XXXX and XXXX are reporting an incorrect coding of the XXXX XXXX XXXX - account number XXXX. This account is being coded as an XXXX when actually this needs to be coded as an XXXX. This account reflects a {$0.00} balance and {$0.00} past due. This incorrect coding is harming my credit score and is a violation of the Fair Credit Reporting Act.
Consumer complaint received 2018-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have sent letters to TransUnion and XXXX about a public record they are reporting. I would like to know the method of verification I have sent several letters requesting this and they have not provided this. I have contacted the court at the address listed on the reports and was notified that they do not verify any accounts with any 3rd parties. Please remove these unverified accounts from my report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX bankruptcy
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

The contrast between my consistent on-time payments for this account and the distress caused by the inaccurate late payment entry is stark. Maintaining punctuality has been my unwavering commitment, and this inconsistency is weighing heavily on my mental well-being, disrupting my sleep and peace of mind.
Consumer complaint received 2024-06-24
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SUNRISE CREDIT SERVICES, INC (CA)

Reference to last compliant XXXX Creditor and or company took action to hurt my credit XXXX Sunrise XXXX XXXX XXXX  XXXX Credit this was already deleted and wax resolved however Company failed to provide proper information and also put pa 's due balance and new account dated on XX/XX/year>. 
Please refer new complaint and also take action against this credit as they are damaging me financially.
Consumer complaint received 2020-07-14
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: AMERICAN EXPRESS COMPANY (CA)

I recently checked my credit score and found unauthorized inquiries into my credit history by American Express. The dates of the AE inquiries : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I've never contacted American Express. All of this was done without my consent.
Consumer complaint received 2020-07-14
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: TD BANK US HOLDING COMPANY (NY)

As detailed in a previous CFPB complaint ( XXXX ), on XX/XX/XXXX I ordered a treadmill from XXXX, Order Number : XXXX, for {$3700.00}. 

The terms of purchase through NordicTrack 's financing partner, TD Retail Card Services, were " 0 % APR for 12 Months with Equal Payments. '' I proceeded to set up these automatic payments on XX/XX/XXXX, however : Despite ( 1 ) setting up 12 monthly payments on TD 's own payment portal, https : XXXX, and ( 2 ) receiving verification of the payment account ( Chase Checking Acct ending in XXXX ), and ( 3 ) that account having more than adequate funds to service the debt, TD 's system failed to draw the amount from the payment account, and instead started allocating NSF charges and rapacious interest. 

I was in fact confused by the entire process since I had also entered my XXXX card information on XXXX during the purchase process, about which an email was written by me to my assistant on XX/XX/XXXX. **She was subsequently assured by TD that everything was set up correctly. ** Due to COVID and the related business closures via Executive Order, I have been away from my office in XXXX XXXX XXXX until just a few days ago, when I became aware via mail that accumulated over the past three months, that TD has not been properly processing the payments -- which I not only set up correctly but there own online system validated upon my doing so. After calling TD to straighten this out today, Previously, TD was trying to collect nearly {$4000.00} from me despite claiming the principal is {$2800.00}, which resulted in CFPB complaint XXXX. 

That complaint was met with return correspondence from TD Bank on XX/XX/XXXX claiming that, **despite having paid the balance referenced above in full ( {$2800.00} ) on XX/XX/XXXX, ** proof of which is attached, that as of XX/XX/XXXX I still somehow owe {$910.00}. 

Further, in the same XX/XX/XXXX correspondence, in which TD asserts " an automatic monthly payment was successfully established on XX/XX/XXXX '' -- and despite providing ample evidence that this account was initially used to disburse a payment AND that the same account remained well-funded, TD not only references a faulty account number ( XXXX ), containing an extra digit -- but claims that the payments were rejected. 

This claim of the payments being rejected is completely contradicted by ( 1 ) previous proof of adequate balances in the payment account ; and ( 2 ) their claim of a " successful automatic monthly payment being established '' -- a fact that my records reflect as well, corroborated by the XX/XX/XXXX correspondence between my assistant and TD. 

There is nothing owed at this point. TD 's practices are not only illegal but morally unconscionable. I am fortunate to have adequate resources to litigate the matter if this means of remediation is ineffective, but feel awful for those customers of TD who can not afford to defend themselves from these abominable practices.
Consumer complaint received 2019-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IN)

I had a situation where there was a 90day late payment on my account which was incorrect but was fixed by the creditor and all credit bureaus except for Equifax which still shows there are two 90 day late missed payments which is an error