davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-01
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Can't contact lender or servicer — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

i purchased a car from a dealership on XX/XX/2019 for {$33000.00}. Paid {$7000.00} cash and {$3200.00} for a trade in. I financed {$25000.00} at the dealership through XXXX  XXXX  XXXX. I have the finance paperwork and bill of sale. 
On XX/XX/2019 I received a title in the mail showing the car had 2 liens listed. I contacted the dealership right away and they stated this would be taken care of. After several weeks I continued to contact the dealership and DMV for updates. In XXXX I went to the dealership and was told they could not help me and the dealership was no longer in business and has different owners. I have since tried contacting DMV, Bank of America, and XXXX XXXX. Please see response from XXXX consumer complaints and the dealership stating this. I need the lien released from Bank of America and a clear title. 
I was able to find the name of the previous title owner who was also the owner of the dealership. I need this resolved and the lien released. The dealership can not sell a car and register the car until there is a lien release. Im not sure how this happened.
Consumer complaint received 2020-07-01
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: NISSAN MOTOR ACCEPTANCE COMPANY LLC (MA)

I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report. I see multiple 30 & 60-days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2020-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: JPMORGAN CHASE & CO. (NJ)

It appeared on my credit report that I have $ XXXX and I tried reporting it but its only temporarily fixed because it keeps going back and forth from $ XXXX to {$0.00} for available credit,
Consumer complaint received 2016-12-01
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: CITIZENS FINANCIAL GROUP, INC. (NJ)

I began a refinance with Citizens Bank. I paid a {$600.00} good faith deposit. Citizens sent out an appraiser who gave an extremely low appraisal ( {$160000.00} ) on my home. As a side note, I restarted the refinance process with XXXX and got the house appraised at {$200000.00}. The low Citizens appraisal meant that I could not go forward with them as the loan products they offered based on that low appraisal were not satisfactory to me based on what we originally agreed to. I asked them to then refund my deposit and they refused. I took this up with Citizens and ultimately, they claimed the new XXXX appraisal that I sent to them was wrong - although it was more in line with actual values in my town. Long story short, at every level they refused to refund my deposit. I understand the need for a deposit to make sure that I have " skin in the game '' - however, in this case, their appraisal was the outlier and the reason that the agreed upon loan could not be completed. They insist that I signed documents that allow them to keep my deposit, but this is all on them. I would like Citizens to refund my deposit.
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NV)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Consumer complaint received 2022-01-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (GA)

CAINE & WEINER HAS BEEN SENDING ME COLLECTION NOTICES INTHE AMOUNT OF {$100.00}. THE COLLECTION HAS BEEN REPORTED AS PAST DUE BALANCE. I DO NOT KNOW THIS COMPANY. I NEVER DONE ANY BUSINESS WITH THIS COMPANY.. THIS COMPANY DOES NOT HAVE A CONTRACT WITH MY SIGNITURE
Consumer complaint received 2020-07-01
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (AZ)

During the month of XXXX, 2020, I enrolled in XXXX  college to obtain a XXXX XXXX XXXX. I contacted Navient to discuss an XXXX deferment for my loans. In this phone call, I was informed that I was eligible for complete deferment of my private loans for the duration of my enrollment. I was told to send a letter to Navient confirming my enrollment, which I did. When I checked my account several weeks later, I noticed that I still had a payment due. I called Navient again, and customer service informed me that the due payment was a mistake and removed the notification from my account. Several months passed and in XX/XX/2020, I received another notification that I had a payment due. I called Navient yet again, and this time, I was informed that I was behind on payments for several months. I informed them that I was told this was not the case and that I was in a deferment. Upon looking into my account, the representative this time informed me that I was never in a full deferment program, but a deferment program that moved my payments to interest-only payments totaling around $ XXXX month. I explained that I had called several times and was told that my loan was in a full deferment program. I expressed my confusion about this, as my previous rate-reduction program had set my payments to $ XXXX month. I asked simply, " Why would I choose to enter a payment program that pays interest only and increases my payments while I am paying for school? '' At this point, I was told that I had authorized a previous representative to cancel my rate-reduction program in favor of the interest-only program, which I had never done and was never informed of. I asked if I could, at least, return to my previous program, and I was informed that this is impossible because I cancelled my program ( which, even if I had cancelled it, I would have done so because of wild misinformation regarding the deferment program on multiple occasions ). I asked what my options are, and I was told several times that I have no options but to make all of my " late payments '' that I " owed '' for the several months that I was supposed to be in a full deferment program. Since these conversations, both me and my co-signer ( my XXXX-year-old grandmother ) have received upwards of 15 phone calls per day, each, from Navient. This is merely the most recent in perhaps a dozen other times I have been grossly misinformed by this company in a way that has negatively impacted and damaged my life and my credit score while creating undue stress and enduring harassment for both me and my grandmother.
Consumer complaint received 2024-02-12
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: EQUIFAX, INC. (NJ)

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS.

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

looked at my report back on XXXX XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, are not complete and accurate. 

And one more thing 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. 

PLEASE SEE ATTACHED
Consumer complaint received 2022-02-01
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: LEXISNEXIS (MO)

Unauthorized credit inquiry on Lexis Nexis report by XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX AZ XXXX XXXX dated XX/XX/XXXX. I have no known accounts with this company nor have I received any communication from the company as of today, XX/XX/XXXX. 

It is stated in Lexis Nexus report that this inquiry is shared with companies that view my Consumer file, may be used in credit scoring and may impact a credit rating. 

This inquiry needs to be removed from my report.
Consumer complaint received 2020-07-01
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

On XX/XX/2020 I submitted a payment in the amount of {$25.00} via ACH transfer for my credit card payment. On XX/XX/2020 I noticed that there was a {$29.00} NSF Fee associated with my checking account but there was more than enough funds in my account to cover the payment. In addition, I have overdraft protection through my savings account which at the time also had roughly {$900.00} in it. 

Not only was I charged the NSF fee by USAA, but my credit card company ALSO charged me a bounced check fee and marked my account as past due. 

I
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NC)

I recently reviewed my credit report and noticed an account that was not reporting accurately. i had three late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments ive attached a copy of my report to this complaint on the following dates ( XX/XX/year> ) and XX/XX/year> I'm now requesting you investigate and provide verifiable proof with records showing that I had late pavements. If this information can not be verified I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and list of Inquiries. 


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 convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Consumer complaint received 2020-07-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Performant Financial Corporation (OR)

On XX/XX/XXXX I received a letter from Premiere Credit regarding a notice to collect on a debt. I researched this debt and determined the amount owed, {$350.00} was exactly the amount previously forgiven by XXXX. Back in XXXX of XXXX, I received a notice to collect on debt from XXXX. The letter stated that the the amount owed of {$440.00} would be satisfied if I paid 20 % of the balance. On XX/XX/XXXX I paid with a debit card over the phone to XXXX the amount of {$88.00}. On XX/XX/XXXX a letter was issued to me by XXXX that this account was now settled in full. 

I relayed this information to Premiere Credit over the phone, and I was instructed to send any and all documents to them via email. I provided them with the original letter from XXXX, the settlement letter from XXXX, and a copy of my bank statement that shows the payment cleared. 

On XX/XX/XXXX I received a letter from Premiere Credit again asking for me to pay my debt of {$350.00} with copies of the statement from the original creditor ; XXXX XXXX, and 3 Bill of Sale documents labeled as Exhibit 2, Exhibit 2a and another Exhibit 2a. I feel as if they did not review the information/documents I provided to them, and are still attempting to collect on debt already settled by using legal documents to intimidate me into paying what has already been settled and paid in full.
Consumer complaint received 2020-07-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (NC)

XXXX has received a payoff of my mortgage. I sold my home on XX/XX/2020 and the attorney, XXXX XXXX, XXXX wired the payoff amount to XXXX. XXXX has refused to apply the funds to my account, reflect it as paid in full and issue a release. XXXX XXXX has also refused to refund the wire to the attorney after the attorney made numerous requests that the funds be applied to my account. To date, XXXX XXXX is still holding the funds ( Its servicer XXXX  ) and has not returned them or reflected a paid in full balance on my account.
Consumer complaint received 2024-02-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (DE)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-02-10
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: EQUIFAX, INC. (GA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these items in line with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$230.00} ; XXXX XXXXXXXX Balance Owed : {$310.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$240.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$39000.00} ; XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1000.00} ; XXXX XXXX Balance Owed : {$910.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$870.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$770.00} ; XXXX XXXX XXXX XXXX Balance Owed XXXX {$1200.00} ; XXXX XXXX XXXX XXXX Balance Owed XXXX {$610.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$590.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Balance Owed : {$1400.00} ; XXXX XXXXL ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$4000.00} ; XXXX XXXX Bankruptcy Dismissed Date Filed/Reported : XX/XX/XXXX Reference # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-07-01
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. (AR)

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.
Consumer complaint received 2024-02-10
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: EQUIFAX, INC. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-01-22
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. (PA)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected Consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXXXXXX # XXXX, has violated my rights XXXX XXXX # XXXX, has violated my rights XXXX XXXX XXXX XXXX, has violated rights XXXX XXXX XXXX XXXX XXXX, has violated my rights XXXX XXXX  # XXXX, has violated my rights XXXX XXXX # 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 convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Consumer complaint received 2018-01-08
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (NJ)

Firstly it was very difficult to file a dispute because experian kept pointing me to some form online which, at the end of filling all information said that it can not file the complaint due to an error at that time. Finally i called them for hours on the phone and mentioned that i am an ID fraud victim and need to rectify information on my credit report. Thenafter there is a collection agency account which needs disputing so i filed a dispute. Experian agent asked me to upload a supporting document and i did provide supporting document from original creditor XXXX XXXX XXXX which said that i do not and did not owe them any money and it was not supposed to be reported on my credit account. I have attached the same document which clearly states i have no liability. Yet experian and the creditor did not take it into account, there is no mention of it in any explanation provided and the collection account unfairly remains on my credit report. Please see the attached evidence i provided to experian as well. 

Secondly, my credit score drastically reduced by 23 points on XXXX XXXX 2018. I have no drastic changes in payment accounts, no new loans, no such changes to make it drop. There is no explanation from the company and other beuros havent dropped my rating. So i am unable to get any response or explanation of sudden credit drop from experian. It has been very difficult to work with experian and it does not care for consumers at all.