davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-01
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: Experian Information Solutions Inc. (CA)

On XX/XX/2020 I filed a complaint through Experian to have a 30 day late removed from my credit report ( Report Number : XXXX ) I contacted XXXX XXXXXXXX in XXXX to tell them of my hardship during the Coronavirus. 

They allowed me to defer a payment but it later showed up on my Credit Report as a 30 day late for the month of XXXX. 

In the time that I have had this card there has never been any 30 date late entries. I also have another card with XXXX XXXX that has never had any 30 day lates. 

XXXX XXXX denied the complaint but did an update to my file showed the 30 day late in XXXX and showed ND ( No Data ) for the month of XXXX on my report. What does ND mean and why is it there?
Consumer complaint received 2021-03-01
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Santander Consumer USA Holdings Inc. (FL)

XXXX i purchased a car XXXX XXXX, XXXX at 20.1 % total of 72 payments. i just found out my loan has matured in XX/XX/XXXX leaving a balance of XXXX. 
i made monthly payments XXXX monthly sometimes i even sent in extra money. 
for principle. I was told by loan company that i had to in full or car will be repo. 
I was forced to setup Modification at 17 % 18 payments of XXXX by the time i am done with this loan i paid for over XXXX the car is not even worth XXXX I have asked to have my account review for errors. they said they reviewed by file. 
i have asked for restitution, deficiency waiver or even forgiveness of the loan. 
I even ask how did I end up with a large amount? I am aware that a deferred 4 or 6 payments due employment and medical. I am aware i would have some kind small balance left They were not able to give me a answer. 


i know several people that use this company have run into same issues
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. (NY)

I appreciate your help to REMOVE some items from my credit file that occurred because of a FRAUD yet I have certain items passed on that should be REMOVED. Per FCRA segment 605 you are supposed to clear any data recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've informed my lawyer regarding my objective and they are eager to consider you responsible for your negligence. XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XX/XX/2020
Consumer complaint received 2021-03-02
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. (TX)

This my written dispute to CFPB against Transunion. 
On XX/XX/XXXX I sent Transunion a dispute via XXXX certified mail XXXX XXXX XXXX XXXX XXXX XXXX and they received it XX/XX/XXXX. 

Transunion never disputed the unauthorized hard inquiries on my dispute letter. This negative information is causing me to get rejected for bad credit. 

I have attached photos of dispute to validate my dispute to Transunion
Consumer complaint received 2022-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Experian Information Solutions Inc. (TN)

I hereby officially want to file a complaint about the credit bureau EXPERIAN for selling my information to partners involving a simple loan application in order to purchase another home. I do not consent them to contact me in any way. When I tried to contact Experian directly via phone, they only direct costumers to their website or ask them to contact via mail. When tried to opt out via their website, the automated voice messaging service purposely misinterprets user input when providing contact information for the opt out process and disconnects the call in order to remain on their list for information distribution. I receive more than 50x calls a day about one credit pull conducted for an home loan application. Thanks to experian selling my information I now can not have a normal day and can not answer my calls because I can not tell if its a legit caller or another telemarketer or someone trying to refinance my home. I've submitted opt out requests via email at XXXX and registered my phone number to national DO NOT CALL registry with the FTC. I am hoping that this complaint helps consumers obtain better protection, as I am sure that I am not the only one experiencing this.
Consumer complaint received 2021-03-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (PA)

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal XXXX XXXX
Consumer complaint received 2021-03-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: TD BANK US HOLDING COMPANY (FL)

This compliant file againt Td BANK NA for drop credit line to get hight interest payment, the acount never been late or any missed payment ever! TD Bank play a game with there client money by drop the credit line and that wrong i have been a client of td bank for over 30 year went they was XXXX out of south carolina credit line XXXX XXXX on a XXXX credit scores and these was signatrue loan so now iam at 96 % of my credit limit so they can charge high interest. charged of XXXX one year ago. and i pay ever month over the payment check the reacod. i pay this interest first then i pay the month payment.. that is so wrong. that is unfiar. that wrong ...
Consumer complaint received 2022-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: ID Analytics, Inc. (TX)

I have mailed several correspondence to Sage Stream to place a credit freeze on my consumer report. The fax numbers online are not valid for consumers as advertised. I have not received any correspondence that the freeze has been placed. Per certified mail # XXXX
Consumer complaint received 2022-06-27
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Remex, Inc. (NJ)

On XX/XX/2022 I received a letter informing me of a medical debt I owed. I called Remex Inc and explained I could not afford the debt. I made a partial payment and was told ( on a recorded line ) that I would receive a phone call/s when the next payment would be do. I did not set up an automatic payment because I was afraid I wouldn't have the money available. A representative, on XX/XX/2022 said there was a phone call made on XX/XX/2022 at XXXX, however there is no record of that call or voicemail received. This debt is now on my credit report after I have shown that I am attempting to, and have paid some of this debt. I asked for a statement saying that the debt will be taken off my credit report, but I was told it's company policy that a letter will not be sent out. I was already lied to over the phone, and lied to about receiving a call, so I do not trust that the debt will be removed form my credit report.
Consumer complaint received 2021-08-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

The 3 Credit Bureaus are reporting inaccurate information on BANK OF AMERICA ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Consumer complaint received 2021-03-02
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC (CA)

On XX/XX/XXXX I initiated the refinance loan with NewRez Loan # XXXX for the property located on XXXX XXXX XXXX XXXX, XXXX CA XXXX with loan officer Mr. XXXX XXXX ph # XXXX NMLS # XXXX. 
I uploaded some of the documents on their website page approximately 4 of the task, the rest of the task I sent them to Mr. XXXX via email 1 ) check stubs on XX/XX/XXXX XXXX ) 1040 income tax returns on XX/XX/XXXX XXXX ) XXXX 's taxes pdf on XX/XX/XXXX After sending him all documents I called him and he verified he received everything, he charged {$600.00} on my visa card for the appraisal. On XX/XX/XXXX I received an email from NewRez with the appraisal report on XX/XX/XXXX I emailed Mr. XXXX asking him how much longer to complete the loan? Because every time I checked the status will say underwriting. He replied by saying it takes 6-8 weeks for the underwriting process, a processor should be assigned to your file soon. There is nothing alarming regarding your file so we are still in great shape. On XX/XX/XXXX the loan became inactive and I tried to get ahold of Mr. XXXX but he was not available or returned any of my messages. 
On XX/XX/XXXX I called NewRez I spoke with XXXX XXXX  and he tried to transfer my call to XXXX but he was not available I asked him to transfer me with a manager and Mr XXXX XXXX  said he was not allowed to transfer calls nor to give any email addresses for any managers. 
Shortly after I received a termination loan letter stating '' CREDIT APPLICATION INCOMPLETE ".
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: EQUIFAX, INC. (MI)

Hello, I have received a copy of my credit report with the intentions of trying to improve my credit report multiple times and take care of myself and my child due to being homeless. I noticed a few accounts that i wanted a little more information on and did not recognize. I am not saying they are reporting right or wrong. I am just saying that i am not 100 % sure if they are. I also read the Fair Credit Reporting Act where it said by law I had the right to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to yall. 

Are you familiar with something called 15 U.S.C. 161i ( a )? I read that if you cant provide proof, these accounts must be deleted. Well, I want these accounts deleted if they are not 100 % right and correct. I also saw on the credit site and board where this lawyer said you have 30 days to complete this investigation.

I AM NOT SURE WHY THE CREDIT BUERAUS CAN NOT PROVIDE ANY PROOF OF THE ACCURACIES OF THESE ACCOUNTS BUT WONT DELETE THEM!! THEY ARE NOT CORRECTLY DOING THEIR JOB. 
THE ACCOUNT NAMES ARE AS FOLLOWS. 

1 ) '' XXXX XXXX XXXX '' -ORIGINAL CREDITOR WAS XXXX XXXX XXXX XXXX BALANCE:XXXX  AND WAS UPDATED AS ACCURATE ON XXXX. THIS BALANCE WAS DISPUTED SEVERAL TIMES. 

2 ) '' XXXX XXXX XXXX '' -ORIGINAL CREDITOR WAS XXXX XXXX.BALANCE:XXXX  AND WAS UPDATED AS ACCURATE ON XXXX XXXX BALANCE HAS BEEN DISPUTED SEVERAL TIMES. AS I DISPUTED THIS THE BALANCE DECREASED FROM OVER XXXX YET THEY WONT DELETE IT. 

3 ) '' XXXX XXXX XXXX '' - ORIGINAL CREDITOR WAS XXXX AN XXXX XXXX BALANCE WAS XXXX $ XXXXTHE BALANCE WAS UPDATED AS ACCURATE ON XXXX XXXX. 

PLEASE HELP ME THIS IS NOT FAIR!! 

In accordance with the " Fair Credit Reporting Act XXXX Account numbers XXXX, has violated my rights. 

15 U.S.C 1681 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction.
Consumer complaint received 2021-03-01
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: EQUIFAX, INC. (KY)

Following unauthorized inquiries shows up on my credit report which I certainly did not made any applications for credit/mortgage.This had hurt my chances of obtaining new credit. 
XXXX XXXX-XXXX XXXX-XX/XX/XXXX XXXX XXXX & XXXX XXXX XXXX XXXX, XXXX XXXX XXXX-XXXX XXXX-XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX EQUIFAX XXXX XXXX XXXX XXXX, XXXX XXXX/XXXX-XXXX XXXX XXXX-XX/XX/XXXX I demand that you remove following inquiries immediately.
Consumer complaint received 2022-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

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 2022-06-27
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ladera Lending, Inc (WA)

On XX/XX/2022, I was contacted via telephone by Ladera Lending of XXXX XXXX, CA regarding mortgage refinancing options. The agent took some general information about myself and the property in question. 

The agent asked if he could review some of my financial information which I agreed to. He did not request authorization to access my credit report. At no time during the conversation or my initial request for contact did I provide my social security number. When he asked if he could review some of my financial information I assumed it was the same information that lenders receive from the credit bureaus that help them market their products. That is general information such as general credit worthiness. It is not a person 's full credit report. 

While I was on the phone with the Ladera agent, I received notification from XXXX that Ladera had made a hard inquiry and received my full credit report. I did not authorize this hard inquiry. 

Since I did not disclose my social security number to Ladera, it appears that they fraudulently had my social security number in their possession and used it to access my full credit report without my authorization.
Consumer complaint received 2022-09-20
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. (NJ)

This is my six attempt to notify you that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The account I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft.

This account is unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.

( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines the following : ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) The consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. 

Again, the account I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block or remove the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX Date Opened : XX/XX/2015 Balance : {$0.00} and XXXX XXXXXXXX Date Opened : XX/XX/2015 Balance : {$0.00}.
Consumer complaint received 2022-08-20
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/DEPT OF ED ACCOUNT NUMBER # 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 2022-09-18
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: EQUIFAX, INC. (CA)

In accordance with the Fair Credit Reporting act XXXX - XX/XX/XXXX, XXXX - XX/XX/XXXX, XXXX- XX/XX/XXXX, XXXX - XX/XX/XXXX, EQUIFAX MORTGAGE SERVI XXXX XX/XX/XXXX, XXXX  - XX/XX/XXXX, XXXX XXXX - XX/XX/XXXX, XXXX XXXX  XXXX XX/XX/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 2022-06-20
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. (IL)

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 XXXX 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 XXXX 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 XXXX now XXXX XXXX  XXXX cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Consumer complaint received 2022-09-20
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. (AL)

I sent a letter to XXXX XXXX on XX/XX/2020 XXXX Mail # XXXX XXXX XXXX XXXX XXXX requesting them to supply a contract to validate the account or remove the account from my credit report as of currently i still haven't recieved a responses. 

In accodance with the Fair Credit Reporting Act 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 States : A Consumer reporting agency can not furnish a account without my written consent 15 U.S.C 1692 Section 805 ( A ) States : a debt collector may not communicate eith consumer in connection with the collection of any debt at any unusual time or place or a placr known or which shoulf be known tobe inconvient to the consumer
Consumer complaint received 2022-10-13
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: HCFS Healthcare Financial Services of TeamHealth (FL)

XXXX, XXXX.has continue to keep inaccurate information on credit report. Damaging my character. I will move forward to report XXXX, XXXX XXXX ARS to ATTORNEY GENERAL 'S OFFICE.