davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-16
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

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. 

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, *Account name : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Consumer complaint received 2022-03-02
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: Experian Information Solutions Inc. (MI)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-02-23
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: CCM Finance LLC (TX)

Right before the freeze in XXXX we where out of light and water for like a week the car lot came pick my car up Sunday evening around XXXX my other car note was due Monday I was going to give them a call Monday and work something out with my payments they came and got my vehicle and lying saying they picked my vehicle up Monday morning My car notes are XXXX every 2 weeks due to me recovering from XXXX XXXX XXXX my wife been paying on it I call the bank Monday to get my car back to pay the 2 car notes they added more chargers on there so I had to pay them XXXX, for Misc payment, regular payments XXXX include taxs ig, collateral insurance CPI XXXX=XXXX paid them that in full in there still holding my car at a storage not to mention I have to pay the storage as well the company is ccm finance there very rude threat you with there come take your car and you want get it back and they will hang the phone up in your face you will get more complaints and another thing the reason why I was behind because something messed up on my car I had to pay XXXX to get my car out the repair shop that the car lot in paid XXXX after that
Consumer complaint received 2022-09-18
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P. (TX)

LVNV Funding LLC. does not hold a license in the state of Texas. Company keeps reporting the debt to credit reporting agencies every month drastically dropping my credit score. Debt is more than 4 years old and is still showing up as a new charge every month.
Consumer complaint received 2022-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NJ)

I received a letter there was a data breach and I was offered monitoring with Equifax, which I accepted. I also signed up for XXXX and XXXX for their free 30-day trial. While looking at all information provided I noticed Equifax had my husbands date of birth under my name and SSN. The other 2 reporting companies were correct. I filed a dispute online with a copy of my DL # as instructed on XX/XX/22 and received an email that dispute was completed and I needed to submit DL or birth certificate. I filed another dispute online XX/XX/22 and tried to also attach my birth certificate with my DL, but wasn't allowed so submitted DL again. I was given the same response. I called Equifax and was told I had to mail copies in for change in DOB. I replied I was not comfortable sending copies of my DL and birth certificate in the mail and was given a fax number, XXXX. I faxed cover letter with dispute summary including all my information and a copy of my DL and birth certificate on XX/XX/22. No response so I called again on XX/XX/22 and was told no faxes received and that they don't have a fax # to fax to that it must be mailed. Again, I said I was uncomfortable with that and he said he would transfer me to a supervisor. I waited on hold and eventually was hung up on. I was on that call for 25 minutes. Later that night I tried to call again and was on hold for 1 hour and no one ever picked up. I also tried to resubmit online with my birth certificate and got an error message that it was not allowed. I have used Equifax years ago and my information was correct. How was this mistake made and what kind of information was received that looked official enough to change my DOB to my husbands??? Again, the other 2 credit reporting agencies are correct. I want this corrected immediately but am unable to reach anyone to talk to. Please help me get this resolved. Thank you.
Consumer complaint received 2021-07-15
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: TD BANK US HOLDING COMPANY (NH)

XXXX applied for refinance with TD Bank. Received a rate lock and XXXX points. I supplied all documentation requested by XX/XX/2021. On XXXX I received a " notice of incompleteness '' from TD Bank which they withdrew the next day indicating that they had everything. I followed up on XXXX asking for a status ; received a response XXXX saying they would honor the original rate and that I would have an approval within 2 weeks. On XXXX I still had not heard from TD Bank. On XX/XX/2021 TD Bank requested all documentation - again. Documentation supplied XXXX. On XXXX I was advised TD Bank was waiting for a subordination letter. On XXXX I was advised the application was fast-tracked. XX/XX/XXXX - nothing. On XXXX I was asked for the documentation for the third time with the instructions that they must be returned by XXXX ( 3 days before they sent the e-mail! ). Documents uploaded by XXXX. On XXXX TD Bank requests the documents again - 4th time - which are supplied on XXXX. On XXXX I was advised of a closing date of XXXX - never happened. On XXXX TD Bank requests I unfreeze my credit so they can soft pull - done. Now, XXXX they want more documents signed - but they have changed the original lock agreement to include points. 
All of this is just wrong, incompetent and, I Believe, an effort to force me to quit the application because the rates have risen. 
Interesting detail - the current mortgage is with TD Bank - the refi is also with TD Bank. How difficult can this be?
Consumer complaint received 2021-02-24
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

The bank CAPITAL ONE AUTO FINANCE is reporting a late payment for XXXX & XXXX of 2020 on my credit reports that is violating the law. The Cares Act Section 4021 of the CARES Act amends Section 623 ( a ) ( 1 ) of the FCRA ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ) states that account affected by Covid-19 should not be reported late while Covid-19 is going on, and the law is retroactive to XX/XX/2020. The reported late payments should be updated to payed as agreed and the late payment removed from the credit reports based on the law.
Consumer complaint received 2022-09-18
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: Experian Information Solutions Inc. (TN)

In accordance with the Fair Credit Reporting act XXXX 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 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 2022-07-29
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. (NJ)

I am XXXX XXXX, and I, am the Author of this complaint. 

This has been sent to TRANSUNION, via USPS, and previously. It has not been corrected. 

Please provide a full, printed report to the current address of record when you are complete, and as expressed in federal law.. 

On Trans Union, there is erroneous information on my consumer reports- for : Address Phone Employer Current Address, is correct. 

All else is inaccurate and can not /does not apply to me.. Please delete it Phone - is incorrect and inaccurate, and can not /does not apply to me. 

Please delete all of it. 

Employers- is incorrect and inaccurate, and can not /does not apply to me. 
Please delete all of it. 

Maintaining complete, accurate, current and traceable Credit Reporting data is your responsibility. 

Its the right of the consumer, to ensure this occurs.
Consumer complaint received 2021-07-16
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. (NY)

On XX/XX/XXXX I got a notification that collection accounts showed up on my report. I filed a complaint and let them know the account doesn't belong to me. They close the dispute in less than a week and said it's accurate. I filed a second dispute at the same time and also reach out to the collection agency and told them it does not belong to me. The agency told me to send emails and contact TransUnion. I took it upon myself and went further to call the hospital they reported finding out what's going on and let them know these are not my accounts. the hospital apologize and told the agency to close the account. On XX/XX/XXXX I got a letter from the collection agency stating the accounts are closed and they will notify TransUnion to remove but when I spoke to Transunion multiple times after that and today the last time I called and spoke to a XXXX  at TransUnion is today to find out whats going on and why they are still listed on XX/XX/XXXX. Transunion told me that they have no communication from the agency about removing collections from my account. Transunion closes the second dispute in XXXX stating the collection agency reported the accounts belonged to me and I needed to submit another dispute. At this point, if TransUnion agents are saying there's no communication from the collection agency then the collection agency is lying and putting me through a lot of stress I don't need.
Consumer complaint received 2019-05-09
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA (FL)

I have a car loan with Kia Finance for a car I bought new in XXXX XXXX, FL. I have made every payment and, about 2 weeks ago, I requested and received the payoff amount from them and used their site to transfer that amount from a bank in Virginia to my account at Kia Finance. However, in checking my online account since then I can not see any evidence the loan has been closed, my payment history does not reflect the payoff, and the bank says they have received no transfer request from Kia. 

I have emailed them from their web site asking about this a total of 3 times. While I received automated acknowledgement emails back with a promise I would hear from a rep in a couple of days, that has never happened. 
Today I called their customer service line during their stated business hours. After going through multiple automated menus and hearing the same account information that I saw on their web site ( without reflecting the payoff ), I selected the option for " other issues. '' An automated voice said, " A representative will be with you shortly. This call may be monitored for ... '' Then, the same voice said, " We are not available right now. Call back some other time. '' The same thing happened when I called their Collections line.

I called a third time and instead of choosing an option I pressed 0. This time the voice simply said, " Good-bye. '' I must ascertain the status of the loan before I try and transfer this amount again. But how can I do that if I can't get Kia Finance to  communicate?
Consumer complaint received 2021-05-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (FL)

On XX/XX/2021 sent out an Affidavit of Truth to IC SYSTEM which has been ignored. I've sent out a Notice of Default and Opportunity to Cure with hopes to get my issue resolved.
Consumer complaint received 2023-03-19
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: Experian Information Solutions Inc. (VA)

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 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 2022-09-18
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. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
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 — Information belongs to someone else
Company: Resurgent Capital Services L.P. (VA)

I've been disputing fraud accounts on my credit report since XX/XX/2021. 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. 130 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 2019-05-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (KS)

I filed a complaint regarding some of these issues on XX/XX/19. I finally received a response on XX/XX/19. For reference, the complaint number is XXXX. 

In the response, my issues were not addressed. I asked for a review of my account financials as the transfer from XXXX XXXX to FedLoan was clearly and massively disorganized. Instead, they ( not even FedLoan themselves ) simply reviewed communication history and payment history. Secondly, I addressed concerns about requests to remove my paid ahead status not being fulfilled ( as I have received no written confirmation of this ). Instead, they simply explained what paid ahead status means and why it can affect PSLF eligibility of my payments. I already knew this, thats why I have concerns about the paid ahead status not being removed as I have requested. Lastly, I expressed concerns about why I was told you can not merge my two due dates into one without it affecting PSLF eligibility as I had repeatedly been told by FedLoan. However, they took it upon themselves to merge these dates without asking me or confirming that it will not affect PSLF eligibility. It took them nearly two months to give me an inadequate response. Time that has led to further troubles with the company. 

Lastly, since I have filed this complaint, I had to reapply for direct billing. However, after reapplying, FedLoan automatically put me into forbearance for the month of XX/XX/2019 (  against any wishes or requests of my own ). When I called to ask about this, they mentioned that this is standard practice due to delays in direct billing. This is highly unethical practice. They should notify borrowers to say they need to make a manual payment for the affected months. As a result of this, I received a highly stress-inducing letter regarding interest capitalization on my account ( totaling {$5000.00} ) that needed to be paid before the end of the month or it would be added to my balance. When you sign of for auto pay for any other service they give you notifications that it would apply to the next billing cycle and that a manual payment is required for the current billing cycle. FedLoan just assumes borrowers can not pay and puts them into forbearance which happens to disqualify payments from PSLF. I was able to get the forbearance removed. However, I am sure many borrowers were affected by this and simply did nothing because they didnt understand or had already given up fighting FedLoans XXXX services. This kind of practice ( among many other practices ) warrants a criminal investigation. 

Virtually every mistake FedLoan has made regarding my account has ruined eligibility of my payments for PSLF. At this point, it is not gross incompetence- it is highly intentional sabotaging of borrowers accounts. I am giving FedLoan Servicing one more chance at addressing my concerns before I take them up with a lawyer.
Consumer complaint received 2022-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Alorica Inc. (OH)

In approximately XXXX I received notification that possible fraudulent activity was reported on my SST Visa Credit Card. ALL transactions and statements were only done online with SST. I have had the account for approximately 16 years with no issues. At that time they shut down my online access " for protection ''. I was unable to reach anyone through their phone lines. I tried numerous times. I received no information on the fraudulent activity. I then was denied a loan from my credit union who I have never had an issue with because they showed me that on the XXXX report it showed TWO charge offs by SST and reported to a collection agency both for {$1800.00}. I immediately called SST again almost daily for weeks the phone again would reach an automatic voice that said they detected my number and redirected me to a message that said the voicemail I reached could not receive any messages then go beep-beep-beep and hang up. Over the last month I have tried NUMEROUS times with the same result and never being able to reach anyone. I also tried the collection agency. I spoke with numerous agents and a supervisor. The supervisor informed me ( after looking into the account ) that they never reported the collection to XXXX and I would need to speak to SST directly. He told me they had just received the paperwork and that it should never appear twice from anyone. This should NEVER be reported as a charge off. They closed the account because they shut it down because they told me there was fraudulent charges by someone ( not me- but it had been hacked ) and I have been unable to reach anyone to talk to resume payments as I ALWAYS make every month for 16 years. The supervisor at the collection agency did not even want to take a payment as he said I needed to talk with SST directly. I then tried to dispute with XXXX today to find out my XXXX account was hacked, so I will also need to file something with them. This account has become a nightmare. I need this rectified as someone else charged on the account and everything was shut down on me to protect me, but then I was unable to access anything and it was ( I am assuming ) accidentally turned in by SST as a charge off and TWICE! Please remove the charge off ( both ) so that my credit is back to a good standing with my credit union. Thank you.