davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-24
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: Experian Information Solutions Inc. (AZ)

I made monthly payments on a car that was totaled and mostly paid off by my insurance shortly after purchasing. I contacted the financing company prior to the final payment that was due where I was informed that they were still charging interest on a vehicle that no longer existed and would receive a large refund and did not owe the final payment. This was XX/XX/2019. In XXXX of 2019 a very rude woman called me from a collection agency demanding I pay the final payment, I attempted to explain to her that I did not owe it and XXXX owed me XXXX she insisted I tell her where the vehicle was, which I stated in a junk yard somewhere now owned by XXXX as it was totaled a year prior, she was beyond ridiculous insisting I stole a destroyed car. I then called XXXX who apologized and said they would handle the situation. About a week later I received a check in the mail for approximately {$1400.00} from XXXX for the extra $ I had overpaid them over the remainder of the car loan. They are still reporting that final payment was 30 days late, when obviously it was not. 

I need this lifted from my credit asap, it has been affecting my abilities to raise my credit score, my abilities to re-finance my new vehicle and more. Im tired of paying a price for something I did not do. Thank you for your assistance in this matter.
Consumer complaint received 2022-04-09
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. (GA)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-07-16
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: NAVY FEDERAL CREDIT UNION (DC)

There was fraudulent charges made on my Navy Federal Credit Union credit card that was opened on XXXX XXXX due to identity theft by adding themselves as an authorized user and they charged up XXXX and have tried several times to have this removed from my credit report with all three major reporting agencies as well with the merchant. They refuse to remove this account.
Consumer complaint received 2022-04-01
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. (FL)

I sent in a dispute to Experian for them to request the original documents from XXXX as they are the original creditor and the account now belongs to XXXX XXXX Co as that account was satisfied and closed nearly 10 years ago with XXXX. This account has reached it's statue of limitation, however reports on credit as opening date of XX/XX/XXXX, which is also incorrect. A request to Experian was sent on XX/XX/XXXX, then I sent a follow-up request on XX/XX/XXXX. Experian has failed to provide the document to me from the original creditor XXXX. On XX/XX/XXXX I reached out to Experian, after XXXX hour of being transferred from person to person, they connected me with the Fraud department ( agent named XXXX on the XXXX XXXX ), whom advised me that I would need to file a police report for the account. I never stated that the account was fraud and refuse to call the police and not tell the truth. After hanging up with her, nothing was resolved. I previously filed a CFPB complaint and it stated that I did not submit the request, however I did and nothing was resolved with that either.
Consumer complaint received 2022-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Excessive fees — 
Company: Experian Information Solutions Inc. (OH)

I filed bankruptcy at about the same time as my girlfriend and a few other people I know. They chose to pay the Extortion fees Experian charges every month. It has been almost 5 years and they all have XXXX or higher scores, while mine remains at XXXX. I have argued with Experian several times this is nothing more than extortion. I have 6 credit cards, all paid ahead of time, never late, and Always Way more than the minimum. My girlfriend has 4 cards, only pays the minimum, and pays on the day they are due. Yet because she pays the Extortion fees Experian charges, her score continues to increase and mine goes up then down for No reason whatsoever! This is like Blacklisting or Blackmailing at its best! How do they get away with this?
Consumer complaint received 2022-07-05
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. (NC)

In accordance with the Fair Credit Reporting Act XXXX XXXX Acct #, XXXX ; XXXX XXXX XXXX Acct XXXX, XXXX ; XXXX Card Acct #, XXXX ; XXXX Card Acct # XXXX ; XXXX XXXX, Acct # XXXX ; XXXX, Acct # 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 an account without my written instructions.
Consumer complaint received 2022-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

Opinion ... .after years of trying to resolve the misinformation, incorrect reporting, omissions and frankly outright no concern for accuracy and your evidently by example inept staffs, or non concern for what you claim you are we have paid off ALL of our debts including those who have submitted us to collections. You will NOT get a reply for months. Yet, anything negative, wrong or incorrect you post immediately. In my opinion you are a fraud impacting millions. I look forward to monitoring how long it takes ( if ever ) for our credit scores to go up! We will not hold our breaths. As for the CFPB I do not expect them to even read this which is their SOP- SEND IT AND CLOSE IT IMMEDIATELY. I expect a send me your identity XXXX XXXX for these inept agencies as a delay. TRUTH BY WORKS AND FACTS WHILE YOU ALLOW negative information to be posted immediately and these agencies have off shore staff capable of accessing Americans ibfirmation even while warning us of confidentiality.
Consumer complaint received 2022-04-01
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 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 719transunion has me at a score around 590. 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 year old daughter PLEASE HELP ME PLEASE im XXXX  now.
Consumer complaint received 2022-04-01
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA (NJ)

Lease acct XXXX Hyundai. This is a colossal nightmare. My lease is 3 months old, and for 3 months this has been a disaster. They originally took out 2 payments instead of 1. I finally got that figured out, the website and recordings are all completely incorrect and Hyundai told me not to pay attention to them. It got to the escalation department and I was told last month not to worry that everything had been corrected and that they would keep an eye on it. Today I got an email that my XXXX payment couldn't be processed as my bank info was incorrect, the same bank info that I gave to the escalation department, and they read back to me. Today I was forced to make a payment over the phone ( my account has been locked for website payments by them ). and had to pay {$47.00} dollars extra in fees and a late charge. I want this fixed and my {$47.00} back..
Consumer complaint received 2022-02-25
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. (VA)

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 Experian Credit Bureau the date of the last letter was on XXXX XXXX, 2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Experian has NOT complied with the FairCredit 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
Consumer complaint received 2022-02-25
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. (FL)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.
Consumer complaint received 2022-04-09
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. (NC)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2023-08-24
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 — Problem with personal statement of dispute
Company: Credit Karma (PA)

On XX/XX/2023, applied for personal loan on credit karma that said I had an excellent chance of approval and then I was denied the loan. Now I have a hard inquiry on my credit report from this. It's fine I wasn't approved but I never would have applied for it if it didn't say I had an excellent chance of approval. I want the inquiry removed from credit report. Credit karma did nothing to help except transferring me from person to person for 10 minutes before I said enough.
Consumer complaint received 2023-03-21
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. (TX)

On XXXX XXXX I enrolled into XXXX XXXX ( XXXXXXXX XXXX ( XXXX XXXXXXXX XXXX ) hardship program due to a financial hardship. Once I enrolled in this program my account past due balance was brought to current and the account remain open and active. The active hardship on my account was scheduled to end in XX/XX/XXXX. 

In XX/XX/XXXX, I notice that Transunion reported my XXXX XXXX account closed on XX/XX/XXXX. In which was inaccurate because I made all my payments on time and the account was still active. Over the past months, I have confirmed with XXXX XXXX that my account was active, and payments were applied accurately each month. However, from XX/XX/XXXX to today I have repeatedly contacted Transunion, sent them letter to provide proof, as well as completed online disputes and they refused to update my credit report to reflect the accurate account status. This negative reporting has affected my credit reporting and credit score tremendously and they refuse to help me each time I call them. I have advised them this account was never closed and to update my account to show this credit card is still open. 

As of today XXXX, I have paid the total balance off and the credit card is still open and active. If I wanted to, I could use the card in any XXXX XXXX or XXXX XXXX XXXX XXXX store with no issues. I contacted Transunion today and spoke with a representative regarding this ongoing issue. The representative gave me the same run around and said the account was closed and the information being reported was correct. This is not true and not accurate. This is very frustrating and time consuming because my account is open and fine with the creditor but the credit bureau refuses to do their job to fix their mistake. Please help me resolve this issue and fix my credit report.
Consumer complaint received 2022-06-15
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. (TX)

In accordance with the Fair Credit Reporting act XXXX  Account 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 2022-02-25
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. (FL)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.
Consumer complaint received 2022-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NJ)

XXXX XXXX XXXX XX/XX/20XXXX XXXX XXXX XXXX XXXX  XX/XX/2022 XXXX XXXX XX/XX/2022 XXXXXXXX XXXX XXXX XXXX XXXX and sent letters in trying to get these removed, they stated they could not do this. This is a violation of the Fair Credit Reporting Act XXXX XXXX ( XXXX ) and a serious breach of my privacy rights.
Consumer complaint received 2022-04-01
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. (CA)

I have a XXXX Credit Card. 

I have been reported by XXXX for Late Payment ( Missed Payment ) to the Credit Bureau which has caused my Credit Score to drop significantly. 

I was reported to have missed XXXX payments. 

My Due Date for the First month was XX/XX/XXXX. 
I made a payment on XX/XX/XXXX towards my balance. 
My statement date for the next billing cycle was XX/XX/XXXX. 

I was expecting that this payment will go towards my next billing due date : XX/XX/XXXX. 
However, it was not. 

XXXX reported my account as having missed XXXX billing cycles. XXXX for XXXX ( XX/XX/XXXX ) and the next one for XXXX ( XX/XX/XXXX ). 

This has caused my Credit score to drop.

I have spoken about this to them as well.
Consumer complaint received 2022-04-01
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: Experian Information Solutions Inc. (TX)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

Experian continues to violate my consumer rights. I have a right to complete and accurate information in my file. Experian is an accessory to fraud. By furnishing inaccuracies they are making me even more susceptible to identity theft. I demand these violations end.
Consumer complaint received 2022-04-01
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: OPORTUN FINANCIAL CORPORATION (AL)

On XX/XX/2022, I applied for a loan through Oportun/XXXX XXXX I was approved for the loan in the amount of XXXX to be issued in a form of a check within 10 business days through the mail. I signed a contract on XX/XX/XXXX. XXXX and payments were to begin on XX/XX/XXXX of XXXX. I called on XX/XX/2022 to get a staus of the check and was told check had been issued on the XXXX XXXX. XXXX  and the check should be recieved by XX/XX/2022 through certified mail. The check did not come and I called customer again on XX/XX/2022, and was told that the check was sent out of XX/XX/2022 through regular mail, and it takes 10 business and I should have received check already. I waited unitil Monday XX/XX/2022 and still no check. I call again on XX/XX/2022 and explained I was given two different dates the check was sent out, and I had not received the check. The rep stated he saw in the records that two different dayes was given, and he would get with a supervisor. The rep state supervisor will escalate the matter and see if they could track the check, and I would receive a email on the tracking of the check in two days, and I should be receiving the check before Friday XX/XX/2022. I have contacted customer again, on XX/XX/XXXX and still no help. I have resquest for loan to be canceled due to none funding of loan. The rep stated I would have to call back in 7 business days to see if loan would be canceled. It has been 3 weeks, and I have not received the loan money in the XXXX for the contract that was sign. I am looking to take legal action for Oportun 's unethical behavior of agreeing to issue a check with a sign contract, and did not follow through with agreement. At this point, its been pass the 10 business days, and I wish for the loan to be canceled.
Consumer complaint received 2022-04-01
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. (NY)

Account Name : XXXX XXXX  Account number : XXXX As I am looking at my credit report, to my surprise Transunion and XXXX are reporting the above account incorrectly. Transunion is reporting date open XX/XX/XXXX and XXXX is reporting XX/XX/XXXX as a date open. Transunion is reporting a close date XX/XX/XXXX and XXXX is not reporting a close date. XXXX is also reporting my payment as charged off from XX/XX/XXXX to XX/XX/XXXX, while Transunion is not showing a payment history. According to the FCRA, I have the right to an accurate credit report.
Consumer complaint received 2022-07-05
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: MORGAN STANLEY & CO. LLC (SC)

eTrade froze my savings account ( XXXX ) because of a " suspicious '' transaction where I electronically transferred money into the eTrade account on XX/XX/22 and then transferred the same amount of money out of eTrade on XX/XX/22. They were not able to say what was actually " suspicious '' and they were not able to tell me their rules for moving money into and out of their savings account. I thought that a savings account by definition is a liquid account where you put money in and take money out. The eTrade rep was XXXX XXXX. My account is completely frozen, I can not even move the money into my eTrade brokerage account. Secondarily, I have to call the to resolve this, but was on hold for over XXXX minutes and never reached an agent. They did have someone call me several days later.