davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-27
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: Experian Information Solutions Inc. (ME)

Back in XXXX of 2021, I mailed letters to the credit bureaus requesting verification of a derogatory account that is being reported on my credit reports from XXXX XXXX, alleging that I owe {$2700.00}. I have disputed this account multiple times and provided SOLIF PROOF that I 100 % do NOT owe this debt ; however, the credit bureaus have repeatedly claimed that they " verified this account as accurate. '' Therefore, in XXXX of 2021, I physically mailed letters to the credit bureaus, exercising my rights under the Fair Credit Reporting act, requesting that the credit bureaus provide me with the METHOD OF VERIFICATION that was used for supposedly " verifying '' this account as " accurate. '' I specifically requested a copy of the original contract with my signature for this account. This was NOT done. Upon Experian 's receipt of my letter, all that they did was open yet another dispute, which was NOT what I asked for, only to, once again, claim that they " verified the account. '' XXXX did NOTHING. They did not even respond to my letter and it has been WELL over 30 days, which is the required timeline to respond. XXXX did the correct thing and immediately deleted this account from my XXXX report, so now I am left dealing with Experian and XXXX, who have failed to honor my request and have officially VIOLATED MY RIGHTS UNDER FCRA by failing to provide me with the very specific information that I requested. In addition to this, both of these bureaus have repeatedly ignored the evidence that I have provided, which serves as SOLID PROOF that I do NOT own XXXX XXXX a single dime and that this account is being FALSELY and XXXX  reported. Since XXXX and Experian have failed to respond to my XXXX verification letter within 30 days ( it has now been 2 months ), they are required to IMMEDIATELY DELETE this account from my credit report. If this is not done, I have already secured a consumer attorney and will be filing lawsuits against Experian and XXXX and will be seeking monetary damages for violating my rights under the Fair Credit Reporting Act. Also, please see the two documents attached to this complaint.
Consumer complaint received 2022-02-23
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the fair credit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-23
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: HYUNDAI CAPITAL AMERICA (CA)

To whom it may concern, I got into an auto accident on XX/XX/2021. 
The insurance company paid my leased vehicle for total loss. They paid {$31000.00} to pay off the car. 
According to the lease agreement I signed on XX/XX/2021, I paid a single payment of {$21000.00} in advance for 36 months contract. The residual value is {$19000.00} and the disposition fee is {$400.00}. 
I believe the amount of {$31000.00} Kia Motors Finance agrees to release and transfer all of its rights is too much for me as a consumer. 
I understand that this is early termination and that there is a 24-month contract left. However, I paid a one-time payment that is a large amount of money in advance for a 36-month contract period and did not consider it at all.

I contacted

them and they said they had every authority over the amount because the owner of the car was them and I was the borrower.

I have not received any documents from Kia Motors Finance regarding this and have not been notified of the progress. I contacted them and asked for it, but they were rejected, and I can't agree with their decision at all.
Consumer complaint received 2022-02-23
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. (CA)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX Account # XXXX, XXXX XXXXXXXX Account # XXXX, XXXX XXXXXXXX Account # XXXX, XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXXXXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXXXXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXXXXXX Account # XXXX, XXXX Account # XXXX has violated my rights.

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have been trying to get open sky to correct a payment error for years by contacting the credit bureaus to dispute the incorrect information. Finally I got an attorney to call XXXX XXXX and I got a letter from them, but it still isn't corrected. They need to fix my credit report immediately. I have never had any late payments on any of my accounts and for years I have suffered this error by paying higher rates and being denied credit that I should have qualified for. Please see that they fix this mistake quickly. Thank you.
Consumer complaint received 2022-02-23
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (NJ)

On XX/XX/XXXX my wife contacted our mortgage servicer ( Lakeview Loan Servicing , LLC ) to cancel our XXXX XXXX XXXX XXXX XXXX XXXX XXXX. She was advised by the representative XXXX XXXX ) that we would receive a confirmation in the mail within 30 days ( by law ). 

By XX/XX/XXXX we still had not heard from the company regarding cancellation. My wife contacted the company on XX/XX/XXXX, at which time the company apologized, promising to remove the XXXX from XX/XX/XXXX escrow ( which they did ), and sent the Notice of Cancellation ( dated XX/XX/XXXX ) through the mail. 

At issue, are three items that I have been unable to resolve with my servicer : 1. We were charged three ( 3 ) additional times for MIP after we requested cancelation on XX/XX/XXXX. XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX according to our Annual Escrow Account Disclosure Statements. Each disbursement is in the amount of {$340.00}. I have had five ( 5 ) separate conversations with my servicer, always getting one of two responses ... " We will escalate the issue. '' " We have determined there is not a refund due, but we will escalate the issue. '' 2.The servicer took more than the time allowed provided by law to produce the Notice of Cancellation of XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX to XX/XX/XXXX ). 

3. At the time we requested our XXXX  be cancelled ( XXXX of XXXX ), our loan had already reached 75 % LTV. We have been trying to work with our servicer to have the XXXX balance refunded to us. We have asked for the XXXX  balance be refunded, to account for the point at which the loan hit 78 % LTV, and the time we requested the refund. During the last call I had with the servicer ( XX/XX/XXXX ), the escalation agent told me that some FHA loans have to hit a 11 year term before XXXX  can be cancelled. I tried explaining that since my loan closed prior to XX/XX/XXXX, I am eligible after five years. I got the same answer ... " We will escalate the issue. '' To recap, and since our servicer is treating the request as two separate issues, we are asking the servicer that two things be done to remedy the situation. First refund the XXXX, along with applicable interest accrued after XX/XX/XXXX. Secondly, refund the XXXX  and applicable interest accrued from the moment the loan hit the 78 % LTV mark, and XX/XX/XXXX. Of course, the second issue should render the first moot, but the servicer is treating each concern separately. 

As previously stated, I have been going back and forth with the servicer since XX/XX/XXXX to try to resolve this. I honestly believe they are prolonging this process in the hopes that we might forget about it. We will not.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2022-02-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

My name is XXXX XXXX, I recently was on a business trip to XXXX with some of my coworkers. 

I had stopped by an XXXX in XXXX, CA before going on the trip ( which is viewable on my bank statement ). 

I made my way to XXXX, when a few days later, I noticed very little money in my account. 

It becomes apparent that someone is spending money on both my savings and checking account in XXXX, hours away from XXXX. 

I disputed the charges with Chase, but not only did they fail to take down the correct charges, they denied my dispute saying " the card was used with no pin attempts '' when I'm clearly in a completely different place than where the card was used. 

The total amount of my charges was {$570.00}, putting me into a horrible position financially. They also took back the money that was in my savings account, being {$400.00} as well. 

If there is anything you guys can do to help me, that would be of great help.
Consumer complaint received 2021-12-27
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: Experian Information Solutions Inc. (NJ)

I first sent dispute to experian on XX/XX/XXXX in regards to PAID collection private student loans. ( While in school my dad who paid for my college became sick and could not work so we got behind on my tuition then caught up with everything so it is now PAID. ) I would like for those two negative but yet paid accounts to be removed from my reports as it is causing anguish and considerable amount of damages to my reputation. I am unable to get approved for other things such as jobs, and extending other credit. Upon me doing research to try and make my life better by getting these items removed I found this law 15 U.S. Code 1681 ( 4 ) that there is a need to insure that consumer reporting agencies exercise their grave responsibility with fairness, impartiality, and a respect for the consumers right to privacy. By continuous reporting inaccurate information without my written consent first, experian you are violating my right to privacy which is in direct violation of this law and The Privacy Act of 1974. 
Pursuant to 15 U. S. Code 1681 ( a ) ( 1 ) ( 3 ) ( 4 ) The Congress found that inaccurate credit reports directly impairs the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system and evaluating consumer credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. My character is being annihilated yes the accounts were PAID but upon just looking at my reports all one would see is collection which is negative and seems as if I am not responsible when that is not the case at all. Please delete these accounts from my credit report as I NEVER gave WRITTEN consent to furnish in the first place.
Consumer complaint received 2022-03-10
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. (GA)

My name is XXXX XXXX and I have previously been a victim of Identity Theft. I recently disputed an account that was originally XXXX XXXX XXXX  XXXX XXXX ... .account # XXXX ... ... this account was proven to be fraudulent and has been removed from my CREDIT REPORTS several times and they keep fraudulently putting it back. It has now been purchased by XXXX XXXX XXXX one of the slimiest collection companies/debt collectors around. But this is the SAME ACCOUNT that was proven to be fraud so the XXXX XXXX purchased a FRAUDULENT debt and has now put in on my CREDIT REPORTS again!!! all the bureaus did was update the account they did not REMOVE IT AND DELETE permanently as it should. I really think it's time to file a LAW SUIT ... ..this grimy collection BUREAUS NEVER do their jobs and protect us the consumers.
Consumer complaint received 2021-12-27
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. (CA)

My XXXX  who lived with me before be passed away used my phone to open up XXXX XXXX  credit card accounts. They were both paid off and closed and I called XXXX  to explain the situation and ge them removed off my credit report. However, they have sent nothing to the credit reporting agencies to remove them and refuse to flag them as identity theft.
Consumer complaint received 2021-12-27
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NC)

investigation has been more than 30 days with no response. i have reported incorrect information on credit, requesting it be verified or deleted within 30 days. It has been almost 2 months since original writing of letters and still no response via email or address in which I provided. Since the investigation took longer than 30 days ( almost XXXX ), a violation of the Fair Credit Reporting Act, Section 609 ( a ) ( XXXX ) ( A ) has been made. This violation has affected me from being able to get housing and other assistance highly needed during the rough times of the pandemic. I will attatch proof of letters that include dates recorded for sole purpose of business.
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

A FCRA infringement alludes to an infringement of the Fair Credit Detailing Act ( FCRA ), which is a government regulation that directs the assortment, spread, and utilization of customer credit data. You're supposed to guarantee 100 percent accurate data on my credit reports. I've endured harm because of this FCRA infringement Im entitled to compensation for this violation which I would prefer in the form of DELETIONS otherwise I'll have to forward it to my legal counsel. These accounts listed in my letter are not 100 % correct and I demand them to be REMOVED immediately.
Consumer complaint received 2021-12-27
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. (MA)

I checked my credit report and there were many fraudulent things on there. So I did a letter disputing these things as fraud and I havent heard any response fixing the problems or making changes on my report. I did my first letter back on XX/XX/2021, disputing 5 accounts and gave them 30 days and I didnt get a response sent out the second letter demanding to delete these accounts immediately. Still no response from them.
Consumer complaint received 2021-12-27
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: LEXISNEXIS (PA)

There is no third party involved I attached my Id docs so you will know who I am and not say that someone else is filing this complaint on behalf of me. And so you also will not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.
Consumer complaint received 2021-12-27
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: Granite Edvance Corporation (TX)

I have student loans and tuition fees being charged to my credit from XXXX XXXX XXXX college and I have never attended the establishment. There is a man on my credit report by the name of XXXX XXXX and I do not know who he is and he is using my social security number. XXXX XXXX  and granite state many. Please remove these as they are not mine.
Consumer complaint received 2021-12-27
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NC)

investigation has been more than 30 days with no response. i have reported incorrect information on credit, requesting it be verified or deleted within 30 days. It has been almost 2 months since original writing of letters and still no response via email or address in which I provided. Since the investigation took longer than 30 days ( almost 60 ), a violation of the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) has been made. This violation has affected me from being able to get housing and other assistance highly needed during the rough times of the pandemic. I will attatch proof of letters that include dates recorded for sole purpose of business.
Consumer complaint received 2021-12-27
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (WA)

I recently bought my first home financed by a mortgage with Wells Fargo. The terms included an item called Escrow payments. Initially there were two options, and I selected an option of {$270.00} a month on XX/XX/2021. 
However, on closing day XX/XX/2021, I received a call from the bank / agent, saying that the escrow payment on the loan would be {$1300.00} a month. I asked him to explain the number / calculation. He said the high number was actually incorrect, but he wanted me to sign the documents first and wait for a later adjustment. I signed the closing documents on that day. 
However, I have never received any adjustments, and therefore I have to pay a much greater amount of {$1300.00} per month for the escrow payments. 
I have tried to contact the mortgage agent a few times but did not receive any response. I have also contacted Wells Fargo over the phone and I was told the they would need to have some government document / assessment update in order to change the escrow amount. However, they did not tell me why how the number was computed and why was it changed from {$270.00} to {$1300.00} in the first place.
Consumer complaint received 2022-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

My name is XXXX XXXX XXXX and my request for the correction and removable of the erroneous information about my accounts has been diligently neglected by TransUnion. Despite sending them a letter, dated at XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, TransUnion has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes. Below are the accounts that are still reporting on my account : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$4800.00} XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$930.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX : {$990.00} XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$720.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX {$140.00} XXXX XXXX Balance : {$1800.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$180.00}