davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (CA)

On the XX/XX/2023 I wrote Experian a letter stating that I never authorized some inquiries and that I was disputing them because they are negatively effecting my credit and ability to use my credit to acquire financial products and assets. 

I asked them to send me evidence of proof that I did indeed inquire about my credit with wet signatures if they could. The simple request falls in line with the Fair Credit Reporting Act and asked them to remove the inquiries and to send me an updated credit report reflecting the account changes upon completion. 

On the XXXX of XX/XX/2023 I received multiple emails about the letter and when I looked I did not see any changes. 

When I called on XX/XX/2023, I spoke to someone and they sent me to the fraud department. 

When I was speaking with the fraud department, they had me on the phone with a person that I could not understand. 
As I went down the line of items that I was disputing, I verbally informed them that I revoke any and all authorization to report on my name and or social security number. He told me to get in contact with the companies that I was disputing the inquiry over. I expressed that I have already done so and they referred me to the Credit Reporting Agencies such as Experian. 

I asked to speak to a manager or supervisor and he refuses to transfer me. I then asked to speak with anyone aside from him and he refused to do so. All I wanted was for the inaccuracies to be removed and he said since I have a car loan that he could not do anything. I also expressed that I sent the letter and it stated that they needed to prove with wet signatures that I indeed made the inquiry. They did not provide any and they did not transfer me. 

I am under the impression that a foreign entity has captured the reporting agencies in order to disrupt the agricultural and economic abilities to use credit in the United States. I am a Veteran who has proudly served in the XXXX and I understand that through House Joint Resolution there is no lawful money through the Truth and Lending Act ( TILA ) no one has the authority to deny me an extension of my own credit. 

Through my private investigation I have come to the conclusion that this Experian and its agents are committing fraud and racketeering.
Consumer complaint received 2021-10-18
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: CAPITAL ONE FINANCIAL CORPORATION (NJ)

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : XXXX. Identity Theft XXXX  Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX XXXX  Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX  XXXX  Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

XXXX. Identity Theft XXXXXXXX  Date of inquiry:XXXX This is not mine.
Consumer complaint received 2020-12-12
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (PA)

I used the Moneygram online transfer service since XXXX. In early XXXX, I was unable to make online transfers and directed to an in-store location. When I called Moneygram the representative said he couldn't tell me what the issue is and suggested I contacted you. I tried calling but there wasn't an option specific to my problem. 
I want to find out why I am unable to make online transfers with Moneygram.
Consumer complaint received 2023-03-03
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Solar Mosaic LLC (FL)

I entered a contract with Solar Mosaic, Llc in the beginning of XX/XX/2022 for purchasing solar panels from an independent contractor. 

After having several disputes with the contractor, I informed Solar Mosaic not to disburse the funds. I informed them twice verbally, once via email and once via two day with tracking mail. I was informed after the second call to not disburse funds that I would need to sign off on the disbursement. 

I later was informed by Solar Mosaic that funds were disbursed anyway. They are now requiring payments on a solar panels not complete and in breach while also refusing to tell us where our funds went. 

I have asked twice in writing via two day mail with tracking for information regarding the funds. When they were disbursed, who they were paid to, How much was paid and to how many contractors. There is conflicting information regarding the installation. I have a long list of complaints regarding the installation and financing. 
They are now refusing to speak to me when I call.
Consumer complaint received 2022-10-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (GA)

I have not supplied proof under doctrine of estoppel by silence. XXXXXXXX XXXX XXXX  ( MO ) XXXX XXXX XXXX, XXXX. I Presume that no proof of the alleged debt, nor therefore exists under my identity. I also am victim of identity theft from a family member.
Consumer complaint received 2021-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (DC)

I requested a quote for car insurance and the attached document show why my car insurance quote is so expensive. Five years ago, I had an accident and was told I did not have full coverage which is incorrect. I always have full coverage on all of my vehicles. I am still trying to locate the hard copy because I told USAA several times that a mistake was made but no one ever got back to me. I told USAA at least 8 times a mistake was made, so I ended up paying out of pocket for that accident. Now looking at the attached document there seems to be duplicate claims listed on my XXXX consumer report. I am so frustrated with USAA and I believe because of their errors on my report I have been overpaying for my car insurance.
Consumer complaint received 2022-12-13
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: CREDIT ACCEPTANCE CORPORATION (MI)

Your company is in clear violation of the law. Under 15 USC 1681b permissible purpose of the consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Updated and new information : Subject to subsection any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FIAR CREDIT REPORTINGACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681is-3 of this title any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

Delete the late payments from my consumer report this agency is in violation of 15 USC 1681 see attachments
Consumer complaint received 2021-07-19
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. (MA)

To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : ( XXXX  XXXX  XXXX ). ( XXXX XXXX XXXX  XXXX ). ( XXXX XXXX XXXX  XXXX ). 

I did not authorize anyone employed by these companies to inquire and view my credit report. This is a violation of Section 1681b ( c ) of the Fair Credit Reporting Act and a serious violation of my privacy rights. Validate this information with these companies and provide copies of any documentation associated with these accounts that bears my signature, authorizing a consultation. In the absence of such documentation with my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Consumer complaint received 2021-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

I have contacted the company directedly and went through you all and they have resolved the issue 100 %. However on my report TransUnion refuses to remove the inaccurate debt on there and it is hurting my score and causing me stress. How can they still report it when the company explained that it was a mistake and to remove it from my file. I contacted transunion too but they still are reporting it falsely
Consumer complaint received 2021-07-19
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: HYUNDAI CAPITAL AMERICA (AZ)

My XXXX XXXX XXXX was determined to be a total loss on XX/XX/XXXX. Ive made several calls to Hyundai Finance asking questions about the total loss process with issues at each step. Including several requests to show me what they use to determine what balance is owed to make it even or refund/GAP insurance uses and these requests always were ignored including my email on XX/XX/XXXX and XX/XX/XXXX to the email address XXXX. 
Ive been told Im not allowed to speak to this department and customer service cant answer questions, they can only send an email and then it is up to me to follow with the customer service department to see if the total loss department responded. They dont respond then either. 
I was initially advised my refund check would be {$1400.00} on XX/XX/XXXX by customer service. I then called back on XX/XX/XXXX to check the status and was advised the payment was now {$970.00} because a deductible was applied and that shed never seen this so would submit an email to them to ask about this. I followed up on XX/XX/XXXX and was told they had no answers for me, that a deductible is applied for the GAP insurance whether its used or not and they couldnt tell me more. I asked for documentation that showed they had this right because in my contract documents it didnt have this language. I was on this call for 40 minutes when the supervisor disconnected the call and did not call me back. I sat on hold for an additional 15 minutes to speak a new representative who offered to help but after all the time I had wasted, I requested that the initial supervisor and/or her supervisor contact me back and was told hed submit the request and it should be completed within 24-48 hours. I never received a call, email or letter from anyone. I called today, XX/XX/XXXX and they advised the check was finally sent to me on XX/XX/XXXX - XXXX weeks later but still for the {$970.00}. The supervisor ( XXXX XXXX ) stated all he could do was send an email requesting the total loss department send me documents about this deductible but he didnt think they would, a request was already sent from my last call that they never responded to and that that was all he could do. He could not hold that department accountable, escalate the situation or even let me speak to his supervisor. If the GAP coverage wasnt used, I do not understand how they can apply a deductible to the refund issued. Separately that they have ignored consumer requests for documents to confirm this seems like bad business practices and failure to comply to consumer rights.
Consumer complaint received 2021-02-26
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. (GA)

The credit bureaus are reporting inaccurate information on my credit report. I have never been late on a payment with XXXX XXXX XXXX and My student loans are deferred therefore I should not have any late payments reporting. Due to covid-19 forbearance program regulations it states that no late payments are to be reported to the financial credit bureau during the time of covids forbearance period. I have late payments on my report I want removed because I am a victim of covid 19 and legally you should not have put them there.
Consumer complaint received 2020-12-12
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. (OH)

I reviewed my credit report and found accounts that do not belong to me. I am a victim of identity theft and section 605B of the Fair Credit Reporting Act, requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. Under the Fair Debt CollectionsPractices Act, I am allowed to protect my privacy and fromthirdparties. I do not recall giving permission to any third partytorelease myinformation toathirdparty. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA, section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report. My reports also contained some errors pertaining my Personal Information. I am requesting that you promptly delete the addresses that I never resided and may possibly be relatives address. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report. So, I am requesting you verify the items I am disputing at a higher standard than a third-party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain either, verbal or handwritten verification directly from that person : XXXX XXXX, XXXX, XXXX XXXX. 

My name is : XXXX XXXX - DOB : XX/XX/1995 SS # : XXXX ALL OTHER NAME VARIATIONS ARE NOT ACCURATE PLEASE REMOVE : XXXX XXXX XXXX, XXXX XXXX  XXXX My current and only address is : XXXX XXXX XXXX, XXXX, OH XXXX All other addresses are not accurate. Please REMOVE/DELETE these addresses IMMEDIATELY : XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX, XXXX, OH XXXX My current telephone number is : ( XXXX ) XXXX, PLEASE REMOVE : ( XXXX ) XXXX
Consumer complaint received 2022-04-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP (IL)

I can provide all necessary documentation as well. I struggled with my health and loss of income during the COVID pandemic over the last two years. I was led to believe the loan modification applications submitted would assist me unable I became able to pay again. The representatives at US bank consistently assured me that I would end up with a lump sum to pay at the end of the forbearance. However, I received no notice other than a hand delivered summons to court on XX/XX/22. My condo is now being foreclosed without my knowledge ahead of time. I have to pay to attend court in two days {$220.00}. Please assist me in any way possible. The XXXX XXXX XXXX XXXX I pay association dues to also noticed me of eviction in two weeks I feel they want to quickly take my property without considering my rights and have been motivated by greed and XXXX discrimination. I can submit additional evidence documented as well.
Consumer complaint received 2023-06-27
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. (LA)

This is my THIRD complaint filed against XXXX XXXX about an XXXX  XXXX Bankruptcy XXXX. I have contacted the XXXX in XXXX, La on XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX that stated that they were never contacted by XXXX XXXX. Based on the findings of their investigation which states they verified with the courts can NOT be true. I asked for written verification of this Bankruptcy and I was only sent a copy of my credit report therefore this claim is not verified and should be removed from my credit report. I have called and disputed this reporting as well as mailed in letters and I was not giving proper verification. This is what my letter stated : Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. I was not provided that information please see that this request is reported correctly. Thank You.
Consumer complaint received 2023-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Carter-Young, Inc. (GA)

A medical collection with a PAST DUE balance of {$260.00} has been reporting on my account for almost 2 years. Not only does this violate HIPPA but also a violation of the FCRA and XXXX XXXX compliance reporting standard. I've never agreed to a third party having access to my credit nor medical/personal information. I have sent countless disputes via mail and also reported through XXXX, XXXX and XXXX websites. I have yet to receive documents contracts with my signature agreeing to any of this.
Consumer complaint received 2023-06-27
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (AL)

I recently sent a complaint about the below accounts being charge offs and/or closed paid in full. Charge offs are considered ordinary income how can it be reported on my credit report as debt? I never received a 1099c from the creditor for this alleged debt. This is violation of 15 USC 1681eb. Please remove this inaccurate information from my credit report. 

I have not received an update or status of your investigation. I have asked you repeatedly to verify this debt by sending sign contracts/agreements and I have not received any correspondence. 

XXXX 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 2021-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (UT)

I have filed multiple disputes with the Bureaus and with XXXX XXXX directly with no response. I have a few collections reporting on my credit file that i was not notified about. I paid them as soon as i realized the accounts were being reported. I need these account removed from my credit file. They were reported violating my 30 day right to dispute and i no longer owe the debt. I haven't owed the debt for a while no and would like the accounts removed from my credit file.
Consumer complaint received 2023-01-16
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. (AZ)

I want to inform the Credit Bureaus AGAIN AND AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-04-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aargon Agency, Inc. (FL)

Hospital billed me {$500.00} for a procedure in XXXX. I paid {$300.00} through my insurance to the hospital on XX/XX/XXXX. I paid the remaining {$200.00} through the hospital 's online payment portal on XX/XX/XXXX. In XXXX of this year I noticed that the collection agency had reported the a debt of {$200.00}. I never received a letter from this company stating that they were trying to collect a debt which is illegal under the FDCPA. I've tried contacting the billing department of the hospital as well as the collection agency. The billing department continues to say that it is being investigated. The collection agency has provided no response.