davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-25
Product: Vehicle loan or lease — Lease
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: U.S. BANCORP (MI)

I opened an account with US Bank on XX/XX/XXXX to get a car lease. Account number is : XXXX The billing statement is due on the XX/XX/XXXX of every month and i have been making payments on time upon the receipt of the statement ( paperless billing ). 
What had happened is that i somehow did not get the XX/XX/XXXX statement or went to my junk emails which resulted in not paying on time. 

US bank on the other hand did not reach out to me nor given me a courtesy call to notify me of a pass due situation. Instead, the only thing i received in the " Mail '' was a billing statement with double the monthly amount on XX/XX/XXXX and a side not saying " i am pass due on my account '' as in the attached Statement letter. 

The letter also stated that if i take care of the payment immediately, that can resolve the delinquency situation. I did pay it on the spot as in the attached transaction history ( date highlighted in yellow ). 

I have tried to reach out to US bank many times, spoken with a dispute department manager. However, they keep saying it was my fault. 

I am very careful with paying my bills and my credit history speaks for itself, and from my experience with credit card companies, they do care about customer satisfaction and credit integrity. Unfortunately, US bank just decided to ruin what i have been working on for so long just because they wanted to do so. 

I have almost 30000 $ credit limit combining my credit cards, i also am an XXXX  XXXX at XXXX XXXX XXXX. My point is i do make money and under no circumstances i did not want to pay my bill for US bank. 

I am being very honest and transparent in my complaint and my only hope is for the CFPB to look at it and try to resolve the issue with US bank. 

I have lost more than 73 points from my credit score for an unlawful mistake, i just want to fix the situation because i am trying to get a mortgage and with that late payment to stay on my report, it would be nearly impossible. 

Thank you XXXX XXXX
Consumer complaint received 2019-08-25
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: R.M. Galicia, Inc. (CA)

PROGRESSIVE MGMT SYSTE XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$3100.00} {$3100.00} XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX I am a XXXX veteran who receives 100 percent medical by and through the VA.. The VA will refer out into the community medical services from time to time .... I had XXXX XXXX XXXX throughout most ofXX/XX/XXXX, that were done through XXXX XXXX. 

In order to receive these services, XXXX received preauthorizations through the VA, prior to, and before doing any medical care. 

Somehow, or some way, XXXX decided to start harassing me for what little of my medical bills they feel they didn't get paid for. I have talked to them numerous times, and they tell me they will take care of the problem, but instead have forwarded collections to this Progressive Medical ( above ) In spirit XXXX agrees that I was not in the authorization chain, and that procedures were authorized through XXXX and the VA ... .. But yet, they are harassing me, and reporting bad credit. As a last resort I am reporting this matter to you, as nothing seems to deter these characters ... 

XXXX is a fine organizati0n, but once something gets going through their system, seems no human can stop or override it. As far as Progressive, they are obnoxious, as most of those type companies are but are only doing their job as XXXX gave them these balances to collect. 

Help! XXXX XXXX
Consumer complaint received 2019-08-25
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: EQUIFAX, INC. (FL)

I reported all of these inquiries to the following Credit Reporting Agencies, XXXX XXXX and submitted info related to fraud on my account with the illegal use of my Social Security No., and asked that all of the hard inquiries be removed from my credit report, as these are impacting my credit score, and are being illegally reported on my credit report. 

However these Credit reporting bureaus have refused, and completely refused to remove these erroneous inquiries from my report. 

The following inquiries are on my report and these reporting agencies refuse to take them off. 

XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX / XXXX - XX/XX/XXXX XXXX/XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX/XXXX/XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX
Consumer complaint received 2021-07-09
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: LEXISNEXIS (NY)

I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 250 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
Consumer complaint received 2022-08-07
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (SC)

I was approved for a Forbearance XX/XX/XXXX. I was on the Forbearance for 3 Months. I made my Escrow Payment all 3 months as not to be short at the end of the Forbearance. After the 3 Months was up I was told that My Forbearance was invalid because the Forbearance program ended on XX/XX/XXXX. I was also told that I was enrolled into a XXXXXXXX XXXX XXXXXXXX XXXX. That also was not true. Now I'm told that I have to do a Loan Mod. This is going to Increase my interest rate. I can not afford this increase. I feel that it was not my fault that the Mortgage Co Enrolled me into a Forbearance Program that had already ended. I feel at this time I should be allowed to do the XXXX XXXX XXXX just as they Promised They would. Not My Fault. I did everything that was asked of me.
Consumer complaint received 2019-08-25
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: EQUIFAX, INC. (NC)

XXXX XXXX refuses to supply the REQUIRED documents for account # XXXX. 
Ive requested the legal notices that were sent to me as proof of the date and time of the resell also XXXX refused to send legal copies showing the amount they received after the sale XXXX has not provide copies of the legal notices for anything.
Consumer complaint received 2022-08-22
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. (IL)

In accordance with the Fair Credit Reporting act 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 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 2019-08-25
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: EQUIFAX, INC. (IL)

I took out a new car loan in XX/XX/2019 with XXXX XXXX. I got behind on one  payment in XX/XX/2019 by a few days on it and they ended up putting a 30 day late on my credit reports. I called and asked them if they would remove the mark on my reports after I paid it as soon as I could after I switched my accounts due to issues with my bank account and having my direct deposit transferred timely with my employer the State of IL to my new account. They were rude and refused to do so, even though I have proof from online that they have done it for others in the past. Then they did not even report my XX/XX/XXXXand XX/XX/XXXX payments I made on time after that, showing NA on my credit reports. I contacted the credit bureaus and they contacted them supposedly but still have not fixed all. I was only late on the one payment and expect all other payments to show paid as agreed!! This is what they are showing on my reports and the company information, there is a green check mark over each month ( which did not copy with the information ) for XXXX, XXXX, XXXX, until you get to XX/XX/XXXX, then it says 30 over the XX/XX/XXXX pmt then NA over XX/XX/XXXX and nothing over XX/XX/XXXX which I also have already paid, all payments were made on time, except XX/XX/XXXX so all payment from XX/XX/2019 to today should show a green check mark and paid on time except the one only, they are intentionally not reporting to get back at me and try to make me look bad, it also says customer disputes account, which I have no idea what that is, I disputed how they were reporting. If these companies can not report my information correctly they need to be shut down, they have no business being in business if they can not complete a simple thing like this!!!! Please enforce the laws!!! 

XXXX XXXX Payment Status On Time Amount Past Due {$0.00} Payment History 1 Late Payment XX/XX/201930 N/A XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$22000.00} Date Opened XX/XX/2019 Account Type Auto Loan Term 48 Months Min. Monthly Payment {$590.00} Highest Balance {$25000.00} Responsibility Individual Account Disputed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX
Consumer complaint received 2019-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CA)

Multiple addresses where I don't live anymore are still being reported on my credit : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX I would like these removed. 

My brother : XXXX XXXX is being reported on my personal credit report. Please remove him. 

My brother 's credit card he opened is being reported on my report, as well as hard inquiries. Please remove this account creditor : XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX Date reported :XX/XX/2019
Consumer complaint received 2019-08-25
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Nicholas Financial Inc. (IL)

I was XXXX and someone got a car loan in my name from XXXX XXXX. I just noticed it not to long ag because I was trying to get a loan. It happened in XXXX of 2015. The amount of the loan was about {$23000.00}
Consumer complaint received 2021-07-09
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: Navient Solutions, LLC. (NJ)

XXXX is reporting a student loan account from Navient that was originated in XXXX. I have repeatedly requested verification that the account is mine - a signed contract, a promissory note, ANYTHING. I have disputed this account four times and every time get the standard " Verified '' from XXXX  without the method of verification I requested, without supporting documents, and without a human being reaching out to me. Both XXXX  and XXXX did their due diligence and deleted the account - I sent XXXX proof of this in XX/XX/XXXX and requested they follow suit. They once again ignored this request and auto-verified the account without requesting any proof from Navient. I NEVER put my signature on a promissory note for an account from Navient. I challenge XXXX to provide ONE shred of evidence that this is my account. If they ignore this fourth attempt to remove this error my only other recourse is a lawsuit in which the discovery phase will require they provide said proof. XXXX holds a lot of power over consumers and it is their duty to contact data furnishers like Navient to validate my claim that this is not my account. Please provide me evidence or delete as this account is highly injurious.
Consumer complaint received 2018-03-13
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC (OH)

I received notification form XXXX  that a new collection was added to my report as of XX/XX/2018 from XXXX XXXX XXXX for over XXXX for XXXX XXXX. I have never had any services with XXXX XXXX. I was not sent any info in regards to this which gives me a chance to validate and dispute this debt which is against the law.
Consumer complaint received 2021-07-09
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ALLY FINANCIAL INC. (FL)

The amount said owed of {$190.00} as of XX/XX/2021 is wrong. I was never made aware from the auto insurance company that I would owe this money as I canceled the contract of my auto insurance policy within the first 32 days of having it. I was also never made aware of the jump in my 6 month policy increase according to this company. They told me at the time that my monthly insurance quote was going to be roughly {$100.00} a month, and then I was charged that for the first month. Then proceeding that month I was charged 30 days later, over {$250.00} a month. They never made me aware of my dramatic increase in the policy and then when I told them I was going to cancel I suppose they put it into collections. Never was I made aware of the premium being sent to collections. I was only aware that this amount was sent to collections afterwards once collections notified me of the charge. I tried to dispute it at this time but could not because the letter was received by me after the 60 day time to file a grievance about what occurred.This account is falsely on my credit and I would like it removed as soon as possible. The company does not even have my correct data on file which goes to show that they are not on top of what is going on with this debt.
Consumer complaint received 2022-08-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

This is not my debt. I sent a certified mail letter to them on XX/XX/22 asking for written signature validation of debt. They have not been able to supply me with this information. According to the USC they must validate each debt before reporting it to credit bureaus.
Consumer complaint received 2021-07-09
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Problem with customer service — 
Company: TransferWise Ltd ()

Since XX/XX/XXXX I have problems to access my account, so I asked for support on the XXXX, to which they replied that I should make an appeal, so I made an appellation because I wanted to understand why they have blocked my account, as I had only introduced money to be able to use it, to take advantage of to have my savings in a multi-currency account and to be able to make payments when necessary. On the XXXX they answered me they need it more information, but the documents they asked me for were the same I had already sent in the appellation, so I send them again ( picture of me and my ID, picture of my ID with a code number they gave me and the explanation of the appeal ). After they sent me an email that says they have decided to close my account, that they can't give me my money back, and they cant tell me the reason why they have taken the decision. 

After this I have tried to contact the in different ways, call center, social media, emails and the answered is always the same, they cant give me explanation or reasons of what happened with my account or my money. I have XXXX eur in the account and nobody is given me and answer of where is my money, why do they block the account or been responsible to give me the money back.
Consumer complaint received 2018-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (OH)

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX . 
Report and other furnished Lexis Nexis, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply .My name is XXXX XXXX XXXX , my current and only address XXXX XXXX XXXX , XXXX , XXXX XXXX XXXX XXXX XXXX, XXXX , XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX , XXXX   XXXX XXXX XXXX XXXX XXXX, XXXX , XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX   XXXX , XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , XXXX XXXX XXXX XXXX   XXXX XXXX XXXX, XXXX , XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , XXXX XXXX XXXX XXXX XXXX  , XXXX  XXXX , XXXX XXXX
Consumer complaint received 2022-08-07
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: FORD MOTOR CREDIT CO. (GA)

This complain is joint first for you is Ford Motor Credit. This loan was fraud and Ford knew it because they had to check my credit report. The car dealership XXXX XXXX XXXX in XXXX Georgia falsified the entire contract. I did not qualified for the loan and the dealership and Ford knew I did not qualified because of my debt to income ratio. You have to fine what they did and order the contract null and void and return my XXXX cash deposit. I sold the XXXX as soon as I realized it was a predatory loan. Ford was no help and blamed the dealership I disagree Ford is as responsible I did not give them any false information, the dealership falsified the information all of it. The sale date was XXXX XXXX. The Ford loan number XXXX. Ford is an ILC thus subject to bank fraud charges. What the FTC new rules is what I experienced I had a XXXX credit and a 12 % rate. It was XXXX motivated a XXXX tax in violation of XXXX frank act.
Consumer complaint received 2022-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIZENS FINANCIAL GROUP, INC. (FL)

On the Citizens Bank website it says that it gives one the option to check there rate for a student loan to see what there rate would be and this would have no effect on there credit report or score. With that in mind i went ahead to check my rate. When I completed checking my rate I saw where a hard inquiry was done on my credit report. I was shocked at this and so I emailed Citizens Bank and informed them of what had happened and asked them to remove the hard inquiry as there website said that it should be a soft pull. 
They have not removed the hard inquiry from my credit report despite my complaint. 
I checked my rate on XX/XX/2022 and up to this date citizens bank has not deleted the hard inquiry from my XXXX credit report.
Consumer complaint received 2018-11-19
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (FL)

I have a credit score of XXXX..I get XXXX a month XXXX..I work part time ..there I make XXXX after taxes..My wife gets XXXX XXXX..Last count that was about XXXX a month..Quicken and rocket loans refused us..I know it was because of our ages..Is this legal?
Consumer complaint received 2022-09-21
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. (IN)

Someone is using my information to open fraudulent accounts which I do not understand how people can open any accounts in my name because i was not aware or present. Please see below XXXX XXXX - XXXX
Consumer complaint received 2022-09-21
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: SANTANDER HOLDINGS USA, INC. (HI)

I was sold a lemon car. The engine cracked right before we made a year on the car. I was told there were no issues with the car and it shut down on us on the middle of the freeway in XXXX of XXXX 

When I tried to read the dealer and the dealership about the situation. The car salesman that helped us moved off island and the dealership closed down. 

We were left with XXXX in loan debt because no one would help us. That was the first car we ever bought from the dealership too.
Consumer complaint received 2018-11-19
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: SECURITY FINANCE CORP (ID)

My loan was disbursed on XX/XX/2018 by XXXX XXXX/Security Finance XXXX XXXX, ID and I was deployed on XX/XX/2018 to the XXXX XXXX. I contacted the company by phone and spoke to XXXX who gave me an email address to send in a request for SCRA benefits under Federal law guidelines. I was told someone would get back to me the same day, no one called me. Under the SCRA my interest rates are to be reduced to 6 %. I contacted the company in the beginning of XXXX and was told they would call me back the same day or the next day. I still have not heard back from the company about a new payment plan or reduction in interest. I feel the company is ignoring me in hopes I would drop the issue and continue to pay them the inflated interest rate.