davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-11
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (OK)

I was approved for a loan by USAA, and I originally submitted the funding request from a licensed, registered dealer ( XXXX XXXX XXXX  ) on XX/XX/XXXX. It's now XX/XX/XXXX. Since then both the dealer and I have been told that the funds will be sent in 1-2 business days on at least four separate occasions. USAA has changed the story several times on why the loan is taking so long, saying that it's being reviewed, or that they need to verify the dealer, or simply saying that it's going through their process. At one point they said that they need to verify the dealer, so I gave them two phone numbers and an email address for the dealer and offered to send them a copy of their license ( which the dealer happily and immediately provided when asked ). USAA told me that they verified the dealer. Several days later, USAA said they had NOT verified the dealer. They openly acknowledge that they don't need any more information from either myself or the dealer, but won't explain what action ( if any ) they're taking. IF the issue is still 'verifying the dealer ' I looked up the dealer 's license and contact information from my smartphone WHILE ON THE PHONE WITH USAA and offered to send it to them, which they declined.
Consumer complaint received 2020-11-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I was working with XXXX XXXX on my mortgage. I have missed two payments due to Covid at the beginning of Covid Because my income had just stopped when the pandemic hit.It took my lender over six months to come up with a solution. The solution was refinance. when my lender approach me to refinance With an incredible interest rate and a 15 year term. I notified them that I was able to make the missed payments in a few weeks and did not want to refinance. When I made the missed payments my lender reported it to my credit bureaus which destroyed my credit. Although they promised not to report it, they did. I have tried to resolve the negative report to my credit with no success. I have caught up on my payments and offered to pay off the loan. They refused to fix my credit. I can not reach someone by phone or email. And all they stated was I refused the refinance in their documentation. I have since made missed payments But they refused to take the negative reporting of my credit report. The lender told me that they would not report it to my credit, yet they did and those two payments show 30, 60, and 90 day default on my loan for 6 months. XXXX XXXX Would not just put the payments at the end of my loan but wanted to take advantage of the situation And re write the loan for a 15 year 29 % interest rate On the remaining balance of my mortgage. I have tried to resolve this with numerous phone calls. The lender told me that I can not speak to anyone about repairing my credit. They never notified me that they were going to put a negative mark on my credit report. I do not have any documentation of what they did. But they have documentation in their files
Consumer complaint received 2022-06-11
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. (KY)

I paid off the loan in XX/XX/2022 the company has not updated this on my credit since and has continually reported that I am currently late with an outstanding balance of {$33.00} I confirmed with the company that my balance is XXXX this still did not update on my credit, at one point different information was reported to different credit bureaus. I disputed the account information as incorrect through Equifax and XXXX. XXXX response was that the information is correct. I confirmed after reviewing this response from XXXX that my balance was XXXX and XXXX once again confirmed this with me despite telling the credit bureaus during the dispute that I still had an outstanding balance and was late. They are clearly willfully providing false information during disputes or simply refusing to investigate disputes at all. I have included the chat transcript where an agent confirms I owe XXXX the disputes results which show XXXX provided false information to the bureaus and screenshots of my account showing no outstanding payments or orders and a balance of XXXX
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (IL)

THIS IS THE LETTER I SENT TO EXPERIAN. 


I'm not sure why my accounts are not reporting to my consumer report. 
I am writing to formally dispute the failure of Experian to report my credit score on my credit report for the past XXXX years. As a consumer, I have the right to an accurate and complete credit report under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and other consumer protection laws such as the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692. 
It is my understanding that Experian, as a credit reporting agency, has an obligation to ensure that my credit information is up to date and reported accurately, including my credit score. The failure to do so is a violation of my rights under both federal and state law, and I am requesting immediate corrective action. Furthermore, according to the Consumer Financial Protection Bureau ( CFPB ) and Uniform Commercial Code ( UCC ) regulations, Experians failure to report my credit score as part of my credit file is improper and potentially unlawful. 
I demand the following actions be taken : 1. Immediate Correction : Update my credit report to reflect my accurate credit score, as it has not been reported for over 2 years. 
2. Explanation and Documentation : Provide me with a clear explanation and documentation as to why my credit score has not been reported during this period. 
3. Investigation of the Dispute : Initiate a formal investigation into this matter, in compliance with the FCRA, and provide me with the results of the investigation within the 30-day time frame as required by law.

Failure to address this issue promptly will result in further action, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and exploring legal remedies to ensure compliance with FCRA and other applicable laws. 
Please consider this letter as formal notice of my dispute, and I expect written confirmation once the errors have been corrected. 
Thank you for your prompt attention to this matter.
Consumer complaint received 2022-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

It has been since the beginning of 2022 that I have been trying to get access to my free credit report from Transunion. I had to send in information to verify my identity and even when I have called on separate occasions on dates in XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, I have still not been able to get online access to my credit report. Customer services keeps telling me that my case number XXXX has been " escalated '' to address the problem, and they have told me over 4 times that I will be able to view my credit report online within 7-10 business days and each of those 4 times, I am faced with an error message. They have explained that since Transunion had to separate two files ( my mother and I have the same name, so all our information was entwined and treated as one single credit report ), that was the issue. But supposedly that is the issue that keeps getting " escalated '' and I have been told the same thing over 4 times that it will be viewable to no avail.
Consumer complaint received 2022-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is a complaint against XXXX. On several occasions I have contacted TransUnion requesting they remove outdated information from my credit report. The outdated information consists of late payments made on my student loans. As a XXXX XXXX XXXX XXXX veteran my student loan debt was forgiven in 2014. It is my understanding that the subject information should have been removed seven years from date of my loan forgiveness. However, TransUnion has not yet removed the information from my credit report even though I have requested that they do so.My lates attempt to have this outdated information removed from my credit report was approximately three weeks ago. As of today, the subject information is still being reported by TransUnion. No other credit reporting agency is reporting this outdated information.
Consumer complaint received 2024-10-16
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. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 


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 XXXXXX/XX/year>
Consumer complaint received 2022-01-25
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. (FL)

for the last six months i have been disputing inaccurate derogatory information on my credit report. XXXX XXXX XXXX, experian, XXXX, and XXXX have all re-aged these debts on my credit report and have reported either missing or inaccurate payment history which is a FCRA violation. the last round of disputes i mailed off were around XX/XX/XXXX, i asked for my results to be sent to me via usps mail but nothing ever arrived. due to these inaccurate unverifiable items on my credit report i have been deprived of acquiring new credit. this account has been re-aged due to an inaccurate date of first delinquency. 

EXPERIAN REMOVAL DATE XX/XX/XXXX XXXX REMOVAL DATE XX/XX/XXXX XXXX REMOVAL DATE XX/XX/XXXX
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. (GA)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt XXXX  and would like for all listed accounts to be blocked and deleted company information from Experian, XXXX and XXXX. 

Please delete the following accounts : XXXX Account number : XXXX Balance : {$0.00} XXXX XXXX  Account number : XXXX Balance : {$2200.00} XXXX XXXX XXXX Account number : XXXX Balance : {$4700.00} XXXX XXXX XXXX Account number : XXXX Balance : {$1400.00}
Consumer complaint received 2024-10-16
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (FL)

I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.
Consumer complaint received 2024-10-16
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. (WV)

I am making this complaint because I have not got a response from Experian and it is past the 30 day mark they received my dispute. I sent them a certified letter stating that I was not responsible for some accounts on my credit report due to identity theft. They received my letter on XX/XX/year>. The article number is XXXX. The tracking number is XXXX. Can you please help me with this unfortunate and time consuming matter. Thank you.
Consumer complaint received 2024-10-16
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. (CA)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Consumer complaint received 2022-06-11
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. (TX)

In accordance with the fair credit reporting act XXXX XXXX  account # XXXX 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 2022-06-11
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. (PA)

In Accordance with the Fair Act Credit Reporting Act 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. Also states a consumer reporting agency can not furnish an account without my written instructions. 
XXXX XXXX XXXX account XXXX XXXX XXXX XXXX account XXXX XXXX XXXX account XXXX
Consumer complaint received 2022-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC (CA)

Shellpoint Mortgage reported my account as delinquent when it is not delinquent. The XXXX reporting is showing that this mortgage account is delinquent. 

The account was paid on XX/XX/2022 and Shellpoint has reported this account as delinquent on XX/XX/2022 2022
Consumer complaint received 2022-06-11
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. (TX)

In accordance with the fair credit reporting act XXXX XXXX account # XXXX 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 2022-06-11
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 XXXX 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 2022-06-11
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. (PA)

In Accordance with the Fair Act Credit Reporting Act 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. Also states a consumer reporting agency can not furnish an account without my written instructions. 
XXXX XXXX XXXX account XXXX XXXX XXXX XXXX account XXXX XXXX XXXX account XXXX
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MD)

I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and FCRA 605B ( Identity Theft Claims ). These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.

DELETE THIS ACCOUNTS IN MY CREDIT REPORT IMMEDIATELY!
Consumer complaint received 2021-07-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: HUNTINGTON NATIONAL BANK, THE (IN)

On XX/XX/XXXX I received an Escrow Analysis document showing a shortage and an increased monthly payment as a result. 
I reviewed the document and it shows PROJECTED v ACTUAL payments made The projected total is 12 monthly payments of {$320.00} From XX/XX/XXXX to XX/XX/XXXX ( 12 months ) The total projected is {$3900.00} The total I actually paid was {$4200.00} The total disbursed was {$4000.00} This gives me an overpayment escrow balance of {$200.00} So I was very confused how I would be considered deficient when I have extra funds in my escrow. 
When I called in, I was on the phone for 38 minutes, the escrow representative, XXXX reviewed how escrow works, and when I asked if we could go over the actual vs projected she was very unprofessional, she said she couldn't follow along with me, and that *her system analysis did not match what I was saying '' She blamed her frustration on me paying weekly, which she said " you aren't allowed to do that! '' I was so confused how my payment frequency affects my escrow disbursement, because technically, I am overpaid by thousands. When I asked her to explain and asked why her system showed something different than the document they sent me, she hung up on me. 
It wasn't a disconnection, you can hear her press a button hang up in the recording. 
Attached is the recording.