davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-13
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. (VA)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-04-09
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. (TX)

i have received my credit reports today and worried to see that so many negative accounts are reporting on my credit report. I tried to contact transUnion, XXXX and XXXX through disputes to investigate my disputed accounts which are wrongly reporting on my credit report but they did not investigated well, neither they send me back investigation results. i am requesting through your portal to please forward my disputes to them as ask them to start their investigation
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

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.

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 2023-06-22
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. (CA)

This is a formal complaint to inform you that the accounts listed below are reporting erroneously & are inaccurate. The furnishers are reporting these accounts inaccurately. They informed me they had an internal issue & posted me past due. Please investigate these accounts & please update the accounts to a positive status of open/never late or closed/never late. I will be documenting my case in the event you verify it inaccurately. Please provide me with all verifiable proof XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX  XXXX XXXX & XXXX XXXX XXXX
Consumer complaint received 2023-06-02
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Fidelity National Information Services, Inc. (FNIS) (GA)

I believe that I am a victim of fraud and/or identity theft. For the past two years, the thieves have made my life a living nightmare. Performing 'normal ' financial activities have been an uphill battle and I am writing to dispute the following items on my credit report maintained at your bureau. Each of the accounts and transactions I dispute were opened and made by someone with a similar name as me or someone pretending to be me. I never authorized, used, or benefited from these accounts or transactions in any way. 
Please validate this information with the XXXX XXXX XXXX XXXX XXXX and provide me with copies of any documentation associated with this account bearing my signature. In the absence of any such documentation bearing my signature, I ask that this information be immediately deleted from the file you maintain under my Social Security Number.
Consumer complaint received 2022-10-23
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. (LA)

EXPERIAN VIOLATION 15 USC 1681(c)-2. EXPERIAN IS CONTINUING TO REPORT AND POST FRAUDULENT ACCOUNTS ON THE CONSUMERS PROFILE DESPITE REPEAT REQUESTS AND COOPERATION.
Consumer complaint received 2022-08-09
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: Resurgent Capital Services L.P. (FL)

Dated XX/XX/XXXX. Resurgent Capital Services - Cach, LLC., XXXX XXXX XXXX. Amount : {$4300.00}. 
I sent a certified letter to them verified my signature that I did business with them to no avail they would not send me any information with my signature. 

Dated XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX, Amount : {$950.00} Same as above. 
Many letters were sent last year also, XX/XX/XXXX. These cases are very old I would like it removed from my credit report just by verifying my signature, Any help would greatly be appreciated.
Consumer complaint received 2024-10-26
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: General Motors Financial Company, Inc. (TX)

I never got the title but I paid for the vehicle. If you are a XXXX military veteran who is considering financing through GM Financial in the state of Texas - avoid at all cost! 

After paying off the vehicle loan in XXXX of 2024. GM Financial never sent a paper vehicle title to me. First they claimed it was mailed. Next they claimed it was mailed tonthe wrong address. Next they claimed it was never mailed because it's only electronic in Texas. Next they claimed it can only be received by paying for a lein release letter and requesting at the DMV in Texas.
Consumer complaint received 2022-08-19
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. (NY)

In accordance with the fair credit reporting act XXXX acct. 

Accounts : XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX - XXXX XX/XX/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 : its also started a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-08-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CLGF Holdco 1, LLC (OH)

I did apply for an indigo card back in XX/XX/2022. I never received the card I received a statement stating I owed {$120.00}. I called the company and told them I never received the card they said there was going to send me another one they never did I received another bill for {$130.00} I have never touched this card I have never used it I have never received it I never activated it I do not owe them anything.
Consumer complaint received 2022-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX 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 719XXXX has me at a score around 590. That is a huge difference. XXXX 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 XXXX 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 XXXX. 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 XXXX more than 21 times. XXXX 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 year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2023-03-31
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: IMPAC MORTGAGE HOLDINGS, INC. (CA)

***My complaint does not deal with me having a loan at CashCall , it has to do with the unethical practices at CashCall Mortgage , Impac Morgage and its past employees*** My last complaint the company responded with a deflection tactic, pointing out that my screen name was not in their database as a customer. Please investigate the matter below. Impac never actually investigated anything, if you review their response it is clear they just deflected from the issues below and DID NOT address any of the practices aforementioned ie loan churning. 

Please be advised that a large number of employees at CashCall Mortgage, under Impac Mortgage Corp NMLS id # XXXX have held a long secret, which is churning mortgage refinance applications over and over. I have seen this occur since before XXXX  and I do not feel it is fair to the American public or to GSE 's like XXXX XXXX and XXXX XXXX and it is time that CashCall and key violator loan officers at CashCall be held accountable. The managers would look the other way when they knew loan officers were " retreading '' mortgage refinance applications. XXXX loan officers like XXXX XXXX XXXX nmls id # XXXX would use his cellular phone so that no call could be recorded showing he solicited the client in order to avoid issues with XXXX XXXX and XXXX XXXX. He also hired his wife to call out and solicit and churn loans over and over every 6 months some loans every 3 months. The matter was brought to the attention of VP at the time, XXXX XXXX and he sweeped thee issued underthe rug due to XXXX XXXXXXXX XXXX seniority at the company. Later, XXXX took 1003 applications with client 's confidential information and solicited clietns that XXXX refinanced while he worked at XXXX XXXX, then at XXXX XXXX and now where he is working at XXXX XXXX XXXX XXXX XXXX. There were other violators of the comapny 12 month retread policy ( to keep things smooth with XXXX XXXX XXXX but many of the managers looked the other way when guys like XXXX or XXXX XXXX XXXX XXXX XXXX churned loans to fatten their pockets while costing XXXX XXXX and XXXX XXXX XXXX XXXX but by far the biggest offender and most unethical, cunning mortgage loan officer of all time that anyone will encounter is XXXX XXXX XXXX I assure the CFPB if you investigate this mortgage officer 's history, obtain a warrant to search his home or computers you will find that he has confidential borrower information including social security numbers, date of birth, addresses and names illegally obtained from every company he has worked at.
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I am submitting this complaint against EXPERIAN regarding the inaccurate information reported on my credit report, which violates the Fair Credit Reporting Act ( FCRA ). 
On XX/XX/XXXX, I discovered discrepancies in the following account ( XXXX ) : XXXX ) Account Name : XXXX XXXX XXXXXXXX Account XXXX : XXXX Disputed Information : there are inconsistencies among the three credit bureaus regarding the account number, last activity, time XX/XX/XXXX Days Late and amount past due. 
XXXX ) Account Name : XXXX XXXX XXXX Account Number : XXXX Disputed Information : there are inconsistencies among the three credit bureaus regarding the account number, last activity, status and account details Under Section 611 of the FCRA, I have the right to dispute inaccuracies and request prompt investigation. I formally requested a reinvestigation of the account information and cited relevant sections of the FCRA, including : 1.Section 609 ( a ) ( 1 ) ( A ) : Requirement for verification of accounts through original documentation.

2.Section 611 : Right to dispute inaccuracies and request investigation.

3.Section 623 ( a ) ( 5 ) : Removal of unverifiable information dont validated for creditor Original.

4.15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy Despite my request, EXPERIAN has failed to conduct a thorough investigation or resolve these discrepancies within the required timeframe of 30 days. This negligence has led to the continued reporting of false information, which has negatively impacted my creditworthiness. 
In my request, I emphasized that any unverifiable information should be removed from my credit report INMEDEDIATLY within the mandated 30-day period, as established in 15 U.S. Code 1681i. Additionally, I referenced 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy. Furthermore, under 15 U.S. Code 1681s-2, furnishers of information are required to investigate and correct inaccurate information upon notice of a dispute. 
Additional Information : Attached documents : letter XXXX, Proof of Inaccurate, ID, Bill, SSN
Consumer complaint received 2022-08-19
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: FIRST CITIZENS BANCSHARES, INC. (NJ)

I applied for the XXXX XXXX account from their website. As part of the account opening process, linked and shared the financial information from my XXXX checking account. 
First they sent me 2 emails saying that they need some additional information to confirm my identity and that their agent will call or email me in the next 3-5 business days.

Of course, that doesn't happen. 3 days later they sent me another saying that they have elected not to open an account for me and wishing me luck in search of my banking needs. I guess this is their polite way of saying " **** you ''.

Anyways, the email had no reason or anything for denying the account. My guess is they don't like non-Citizens who are legally in US. I know I shouldn't be imagining things but all my attempts to get any sort of answer from them have proved futile so far. 
Maybe CFPB can help me get some closure on this?
Consumer complaint received 2022-08-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I sent a letter out on XX/XX/XXXX dated XX/XX/XXXX to Transunion. 
Here is my tracking number : XXXX However, the credit bureau said they completed the investigation and everything was 100 % accurate. 

According to the law 15 U.S. Code 1681a- Definitions ; rules of construction The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They did not do an investigation according to the law. Also, according to the law the inaccurate information must be deleted after 30 days. 

I would like to know who did they talk to? 

How did they complete this investigation?
Consumer complaint received 2022-11-17
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)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. 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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX 15 USC 1681 Section 602 A- States I have the right to privacy.

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

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-12-07
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: TOYOTA MOTOR CREDIT CORPORATION (DE)

On XX/XX/XXXX, I financed a XXXX Toyota XXXX XXXX with Toyota Financial Services Account number XXXX. This letter is being sent to you to make you aware that I am aware that my purchase for the XXXX Toyota XXXX XXXX was a credit transaction action and therefore should not have included a deposit of cash in any amount according to 15 United States Code 1605 ( Determination of Finance Charge ) A ( 6 ). 
I would like to dispute this incident without filing suit and here are a list of remedies I would like receive for my consumer rights being violated : 1 ) Refund of my deposit in the amount of {$1500.00}. 
2 ) Remedies in the amount of {$1000.00} for every year I've own the vehicle Purchased XXXXSold XXXX ( 15 U.S. Code 2310 Remedies in Consumer Disputes ) To resolve the problem, I would appreciate if your company would review my dispute and concerns in detail and take the necessary steps to understand my disbelief with your Finance Department who is aware I made a consumer credit transaction and should NOT have been required to include a cash deposit. 
I look forward to your reply and a resolution to my problem and will wait until XX/XX/XXXX, before seeking help from my state consumer protection office or other assistance. Please contact me at the above address for any information you may need. To conclude I have include a copy of the original purchase contract for your review.
Consumer complaint received 2022-11-17
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: OPORTUN FINANCIAL CORPORATION (OK)

Oportun sent me an email saying due to my excellent repayment history I should refinance and get more money. I did. They said approved for XXXX. Then they asked for documents,3 times. Each time they said it was a new loan request, that is a lie, I applied once. Their awful system makes you go through the steps to upload each time. On XXXX I applied, they calmed I applied XXXX, that is a lie. Then they said approved documents on the way. Then a XXXX said no we have to verify your identity, which they did. Back to approved. Then after 3 promises of paperwork coming at XXXX pm a woman, who was never involved said not approved because they could not verify my identity. That was a lie, again. They lie, deceive and take zero responsibility for their actions.
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.