davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (FL)

I have a membership with Experian.com where I am able to view all 3 scores and credit reports every 30 days. In XXXX I attempeted to view my updated scores and was unable to do so. I got an error message that says " Sorry, we can't show you today 's 3-bureau report. This might mean that XXXX and XXXX has no record of your credit history or different personal details for you on file. Until this issue is resolved, you won't be able to see your report. '' I have been calling Experian and informed them of this issue since XXXX. I was told to call the other bureaus, because the issue is within their system. I've called XXXX and XXXX to make sure the information they have in thier system matches what Experian has, and they did not find any discrepancies. 
I have called Experian more than a dozen times about this issue and still no one has been able to solve this problem. But they contiue to ask for my payment to view all 3 scores.

It seems as though they do not kow how to fix this technical issue. I was told that they would open a ticket and send the issue to a department that would fix the issue ; internally, and someone would contact me in 24 hours. Its been 2 months since that conversation.

I just got off the line with a supervisor that informed me she would open a ticket and submit the error to the technical department and someone will contact me in 24 hours and I should have no issue accessing the other two credit reports. This is the exact same " script '' that was read to me in XXXX, and nothing has been resolved.
Consumer complaint received 2022-03-18
Product: Vehicle loan or lease — Lease
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: TOYOTA MOTOR CREDIT CORPORATION (TX)

I wrecked my car on XX/XX/XXXX and settled with XXXX for a total loss on XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX the whole settlement be sent TO them FROM XXXX instead XXXX allowing XXXX to send them their payoff amount and the balance to us. A check was FINALLY sent from XXXX to XXXX XXXX XX/XX/XXXX. 

As of today, XX/XX/XXXX, we still HAVE NOT received our portion of the settlement from XXXX XXXX I have called probably no less than 10-12 times and get the run around every single time. They have to wait on procedure, policy, blah blah. The last time I called, XX/XX/XXXX, I was told that the lease was showing paid ( finally ), and that there was some sort of a glitch, but they still couldn't tell me when we should expect to receive OUR money. They have highjacked our money and are in no hurry to give it to us. 

XXXX told me that most companies just let the insurance company mail the payoff amount to the lender and the balance to the customer, but not this time. It passed the point of being ridiculous about a month ago.
Consumer complaint received 2023-07-19
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: Experian Information Solutions Inc. (FL)

After reviewing my credit report I noticed the account shown below on my credit report reporting as a collection account owed. This is false and fraud. I do not owe this company any money. This company is reporting false information on my credit report. Upon checking the Consumer Financial Protection Bureau website I noticed that this company XXXX XXXX , XXXX is in litigation for reporting false information on consumer credit reports. Attached is the article from this litigation. I have also reported this via complaint since Ive contacted you guys the credit bureaus more then 5 times on this matter and it is still falsely reporting on my credit report. This is affecting my credit history along with me purchasing my home. I do not owe this company any money. I paid this company the bill on the date it was owed before closing out my account with them. This information is also attached with the invoice of payment. This is in the amount of {$1700.00} which also was not even the last payment amount owed!! This company has violated the Fair Debt Collection Practices Act Section 312. This account is being falsely reported and is extremely misleading. XXXX XXXX XXXX XXXX XXXX The company has directly violated law written by congress , please remove. Attached is also an article directly on this website CFPD talking about this companies false reporting tactics. Please delete this from my credit report. Ive been contacting this company along with the credit bureaus for 6 months now and nobody has responded to me or removed this false account.
Consumer complaint received 2021-10-05
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. (SC)

I have been disputing several inaccuracies on my credit report with TransUnion over the past year at least with little to no cooperation from TransUnion. The most recent of which was signed for and received by TransUnion on XX/XX/2021. That letter requested that TransUnion either verify or remove the inaccurate items I was disputing in a timely manner as required under the law. 

After allowing more than the 30 days required for TransUnion to either properly verify or remove these items, as of today, TransUnion is willfully ignoring my request, refusing to delete these inaccuracies, opting instead to change small bits of information to the already inaccurate items and stating that they have verified the items. With every dispute, TransUnion responds with a slight change and verified as the result. 

This willful neglect for the law by TransUnion has greatly impacted my credit score costing myself and my family undo hardship and anguish. I will also be filing a formal complaint with the state attorney general and the FTC against TransUnion for their blatant refusal to delete information that they are reporting that can not be verified properly by TransUnion. 

I want these negative items removed immediately as I have given TransUnion more than enough time to properly address this issue. I have copies of all correspondence sent and received, sent by certified mail with delivery confirmation and signature required. Immediate removal and deletion of these disputed items is demanded immediately.
Consumer complaint received 2022-03-18
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

I WAS APPROVE FOR XXXX LOAN FOR XXXX XXXX XXXX XXXX XXXX WHERE I HAD TO SIGN XXXX TO PROVE MY INCOME WHERE I WAS APROVE FOR XXXX. I HAVE A BUSINESS AND BILL NEED TO BE PAID SO I WAS PAYING MY BILLS AND MY ACCOUNT WAS FROZE. I CALL FIFTH THIRD BANK WHO I BANK AND ASK WHAT GOING ON I WAS TOLD TO BRING TAX DOCUMENT TO PROVE XXXX XXXX XXXX SO I DID ONCE I TALK TO XXXX XXXX I WAS TOLD I NEED TO FILL OUT ANOTHER XXXX WITH FIFTH THIRD BANK TO PROVE MY TAXES AND THEY ALSO ASK TO PULL MY MY REGULAR XXXX TAXES. I NEVER HEARD OF THIS CAN THEY DO THIS BUT I ALSO TALK TO XXXX XXXX WHERE HE SO UNPROFESSIONAL AND ASKING ME ALL MY PERSONAL BUSINESS ABOUT MY OTHER BUSSINESS WHERE HE HAD TO LOOK IN MY PUBLIC RECORDS. XXXX XXXX WAS VERY RUDE AND XXXX AND I EVEN HAVE HIS CELL PHONE NUMBER THIS IS BUSINESS AND EVERYTHING SHOULD HAVE BEEN RECORDED. DO FIFTH THIRD BANK RED FLAG ALL XXXX LOAN AND FREEZE THERE ACOUNT THIS NOT FAIR.
Consumer complaint received 2022-07-15
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. (TN)

This is my XXXX Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove any accounts which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-06-06
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. (MO)

In accordance with the Fair Credit Reporting Act ( XXXX XXXX XXXX Account # XXXX ) has violated my rights. 

15 USC 1681 Section 602 states that I have a right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2021-10-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BAM Management US Holdings Inc. (NJ)

My XXXX XXXX Credit/Debit card connected to my checking account with the bank was charged a total of {$9600.00}. Between XXXX and XX/XX/2021. I downloaded an App for Binance.Us. and invested a total of {$20000.00}. After the initial investment Binance continued to withdraw money from my account without my consent or authorization. My account was compromised because, I did not get any SMS notification to my phone number or any email address, to show on going activities on my account. Several attempts made by me to sign into my Binance.us account was unsuccessful. At present I have no access to my Binance account to see my invested {$20000.00} or to track the {$9600.00} additional amount withdrawn without my consent. This matter has been reported to XXXX XXXX  and to Binance for investigation. It has been over two weeks and I am not getting any response from both companies. 
Please kindly assist me with this matter because this has placed a huge financial strain on my family. When I went to the back to make my mortgage payment, I discovered that the balance on my account was only about {$2000.00} dollars. Some of the money lost was money set aside for our monthly mortgage payment and family investment. I will be grateful for your assistance in addressing this matter timely. 

Sincerely, XXXX XXXX
Consumer complaint received 2021-10-04
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. (FL)

I. The month of XXXX I reached out to citizens bank to let them know I would be trading in my vehicle for a new one sometime during the middle of the month. On XX/XX/XXXX I actually traded in the vehicle and called them for the pay off and the pro rate amount. I also told the gentleman on the phone that I was trading in the XXXX XXXX 2017 he told me congratulations. About a week later I started receiving phone calls that I had late payments from citizens bank and I called their phone number spoke to a manager and they noted the account. Today I woke of to my credit score dropping XXXX points I was so upset because I was transparent about the whole issue. I called XXXX XXXX and they told me the pay off was good till the XXXX of XXXX and didn't know why they did that and they actually tracked the check that was sent out on XX/XX/XXXX and told me it was arriving today. This is not how a company should handle things when myself and XXXX XXXX XXXX have told them this information. When I spoke to them they said they would back date and remove the charges and take care of the situation.
Consumer complaint received 2021-10-05
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: Resurgent Capital Services L.P. (FL)

XX/XX/2021 I mailed a certified dispute letter to LVNV and they never responded nor sent back any correspondence. it has been more than 30 days! there is multiple inaccuracies on my credit report. XX/XX/2021 I mailed a new dispute in hopes my deletion request is honored. this company is violating my rights and they have over 1200 complaints on CFPB they also have over 100 complaints with the XXXX.
Consumer complaint received 2021-11-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Transunion is still showing and reporting an account for XXXX XXXX on my credit which keeps showing up on a background check for my employer which had already caused me to be fired from my previous job along with 2 other accounts they were reporting but those other 2 collections accounts have since been removed however XXXX is still showing. I filed bankruptcy chapter XXXX in XXXX and this XXXX  account that is only still showing on transunion is still showing and coming back on my background checks. None of the other credit bureaus are showing this XXXX account but transunion! I have a screenshot showing this account being included in my background from XXXX  so how is transunion still showing it and possibly about to cause me to lose another job! The XXXX account was opened in XXXX my bankruptcy was in XXXX and they are showing I owe {$1000.00} in which I do not. In addition Hire right the background check company performing my background check for a current job offer and also performed the last background check for my previous job ( in which i was fired for inaccurate information reported from them ). They are telling me that transunion is reporting this XXXX  account to them Still and saying it was not in my bankruptcy when it clearly says it was on both of the other credit bureaus reports.
Consumer complaint received 2022-08-16
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. (AZ)

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be removed because : According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF ED / XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-10-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Over 60 days ago I sent the credit reporting agencies a letter regarding some information on my consumer report that I never consented to be reported. I have been patient with my time but enough is enough. The FCRA stated that any disputes should be completed within 30days. I don't see where the law that is allow 45 or 60days to respond if so please show me in writing or else I expect a response to my complaint immediately!!! I as a natural person ( consumer ) who is protected under federal law demand these accounts to be removed from my consumer report. There is a clear violation that the law has been broken, I'm tired of my request being ignored so something needs to be done about this.
Consumer complaint received 2022-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. According to the FCDPA 15us 1692g the bureaus have to report 100 percent accuracy this is a violation i am demanding proof on how these accounts were validated.
Consumer complaint received 2022-08-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-08-01
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. (FL)

I have reached out to Experian to have them update and correct my credit profile to reflect XXXX XXXX and XXXX. Experian needed verfied documents of my current address I sent them a verified mail with a copy of my driver licenses and mail with current address. 
Mail out on XX/XX/XXXX on Tracking # XXXX received in XXXX we are now in XXXX and my credit report and file has not been updated from XX/XX/XXXX. Experian has been giving me the run around not reporting accurate information and it has become very frustrated I'm trying to purchase a new car and home and my Experian credit file is stopping me from achieving this goal.
Consumer complaint received 2021-10-05
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (FL)

I tried to buy a XXXX XXXX XXXX on XXXX on XX/XX/2021. The listing made by XXXX was flagged as suspicious and thus removed by XXXX. I contacted Paypal Credit to report that the listing was removed by XXXX for that reason and to start a dispute. Paypal credit supposedly tried to contact me, that never occurred. I used Paypal credit to pay for the purchase and even though I reported the problem, PayPal credit refuses to fix the dispute. If XXXX removes the listing, where did the money go? This has been a recurring nightmare with XXXX and Paypal credit, they have fixed the previous 2 occurrences but this one is taking extremely long and I've been paying on this debt even though I did not get what I purchased. Basically, XXXX has become a lair of scammers and the supposed purchase protection is a complete lie. If a listing is removed why did they still charge me? Why does Paypal credit still payout if the listing is flagged as suspicious? I have wasted over 12 hours on phone calls to Paypal credit, to XXXX and nothing has been done, can your agency help me?
Consumer complaint received 2022-08-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

TransUnion past disputes was deleted and I XXXX XXXX the consumer are now seeking remedies for the action of TransUnion who furnaced these wrongfully consumer reports that have took a toll of my life and credit gain to help my family. 

I have 4 completed deletions dated from XXXX XXXX XXXX was deleted XXXX XXXX, XXXX XXXX XXXX was deleted XXXX XXXX, XXXX XXXX XXXX XXXX WAS DELETED XX/XX/2017, XXXX XXXX XXXX WAS DELETED XXXX XXXX.. These reports was on my file FOR YEARS AND NOW Im seeking remedies for all wrongfully actions from TransUnion furnacing those accounts to their Website & I XXXX XXXX didnt give anyone the rights to breach my privacy. My privacy was invaded and once again I didnt give anyone the permission to use my credit in their likeness and I demand.