davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-18
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. (NV)

I have loan with XXXX XXXX. I have always made my payments on time. For some reason, I realized that there were 30 days late payments on my credit report for the month of XXXX. I have read enough to understand my rights. The XXXX Credit Bureaus are required to verify for themselves, but they failed to neither verify nor update me about this complaints. I believe the company is violating Sections XXXX & XXXX of the FCRA. I believe theyre unwilfully noncomplying with federal law & this issue is creating a ton of emotional physical stress. Id like this matter resolved ASAP as it is impacting my health & wellbeing. Please update the late payment from this account. Below is the account with erroneous information and Id like remedied ASAP. 
XXXX XXXX XXXX Open Date XX/XX/2018 Balance : {$14000.00}
Consumer complaint received 2022-08-22
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: EQUIFAX, INC. (TX)

I went to the dealership on XXXX XXXX and applied for a car loan from XXXX XXXX XXXX XXXX, and they stated they would be the only company to run my credit. However, I got a copy of my credit report and there are several inquiries from other companies that I did not authorize to check my credit report. I also did the same process on XXXX XXXX with XXXX XXXX XXXX to obtain a car loan, they stated only their company would check my credit and there were several companies that checked my credit resulting in several credit inquiries. I have tried to contact the companies and the credit bureau to have them removed but they refused to remove them.
Consumer complaint received 2022-08-22
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. (AL)

A XXXX account is reporting on transunion credit report that is not mine. I disputed it twice but it still hasnt fallen off. I disputed it online and mailed XXXX letters to the dispute center but it still appears on my credit report.
Consumer complaint received 2022-08-22
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 XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 Ay 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 2022-08-22
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. (FL)

In accordance with the Fair 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 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-08-22
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. (CA)

XXXX XXXX XXXX XXXX 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 XXXXXX/XX/2022 In accordance with the Fair Credit Reporting act XXXX Account, 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. 

I have reached out numerous of times, sent in letters to have the information verified and there's still inaccurate information on my report after being told it would be fixed.
Consumer complaint received 2022-08-22
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. (NY)

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

15 U.S.C 1681 section 602 Ay 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 2022-09-14
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION (TN)

My mortgage was just sold to Fifth-Third Bank last month. They have been the worst mortgage servicer I have ever dealt with. They have no real way to access your loan information online. I called them so I can get access to an online portal and they wanted me to create a " false '' credit card in order to set up a mortgage account. They were unable to create the " false '' credit card number and told me to call back in a few days. If this was not a major bank I would assume this was a scam with someone trying to create a credit card in my name. Honestly, I am unsure how safe it is for the bank representatives to just give out " false '' credit cards to everyone. 

A XXXX XXXX to Fifth-Third Bank. 

It's great that you want to buy mortgages! But, if you want to be in that line of business you probably should have an infrastructure that does not make you look like a scammer trying to create credit cards in other people 's names.
Consumer complaint received 2022-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BSI Financial Holdings, Inc. (OH)

BSI Financial Servicer is now reporting my mortgage payment deliquent 30 days and trying to ruin my credit. We have never been 30 days late. The mortgage for XXXX and XXXX was paid totaling in amount of {$4500.00} on XX/XX/22 by save the dream ohio hafs program. BSI knows I was approved for State assistance through the HAFS Save the dream Ohio program. The money was sent to pay my mortgage in a timely manner but BSI Financial has not even added the money to my account. Now they are putting deliquent on my husband and my credit report. I never get anywhere talking to BSI. No one knows what's going on and they do nothing to help their clients.
Consumer complaint received 2024-12-16
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Atlanticus Services Corporation (NY)

This card was opened without my knowledge, I have been unable to obtain a police report so I have made a complaint with the FTC, and most recently have been advised to make a complain with CFPB. In XX/XX/year> I requested all statements to be mailed and I was told I would have them within 2 weeks. I have not received any statements
Consumer complaint received 2022-09-14
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)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2022-08-22
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (FL)

I was approved ( XXXX of XXXX ) by the XXXX  for 18 months of forward payments. Despite being told this, and also being told that the payment was sent to my lender, the payment for XXXX was not applied to my account on the due date of XX/XX/XXXX. I then called and emailed whomever I could at all organizations trying to figure out when the payment would be applied, as its now past the due date and was just sitting there unclaimed. 
My issue is that my lender, XXXX XXXX  has these funds sitting and no one that I have spoken to at the company has any knowledge of the program, or how to then apply these funds to my account. I am sure there is someone at this company who knows what the program is and how to apply the funds, but I can not contact them or get through to someone knowledgeable enough to help. 

I was approved for the companys listed below and havent received a single payment from any of them. 
XXXX XXXX XXXX XXXX and XXXX XXXX XXXX I applied for this program because I desperately need the help. Now XXXX finally approved after a struggling wait of 6 months just to know that payments arent being sent on time which now causes another problem of my credit tanking. Can you please help? 

Thank you
Consumer complaint received 2022-08-22
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (KS)

On XX/XX/XXXX, I logged into my USAA account and noticed that my accounts did not look right. I looked and had close to XXXX jn checks withdrawn from an XXXX XXXX in Iowa. I called usaa right away and reported the fraud. A claim was started. The next day I was trying to figure out how to change all of my login information and stumbled upon that they were set up for bill pay on my account. I deleted it and notified usaa right away. The following week I had cash moved from my small town back to usaa, I did not do that. I do not keep thar much in that account very often. I called usaa and notified them. After that all of my stuff had now been changed. At this point still no resolution. I called again and ask the usaa staff member if they could tell me what or who or where someone is logging into my account. They told me that a XXXX phone or something describing my XXXX phone and someone with an XXXX using thumb technology to log in. I told them right there that we don't have XXXX  XXXX XXXX, wr have all XXXX. I kept calling several times to see what j could do to help to get my money back as I have XXXX in my household and this money is not simple money for this large of a family. It also overdrawn my usaa checking account which why would I spend XXXX without moving money or even have an XXXX. Come this Sunday, I got an email of denial with no fraud activity and to reach out to the person I paid to get my funds back. I called them right away and put in for a review as I again explained that I didn't do this. Looking at the memos in the checks again it says rente and down payment. I don't live in Iowa or have ever and have only driven thru Iowa. I even got asked by a usaa staff member if I gave it out to anyone. Like yeah I am walking around XXXX ks saying who wants my login information to steal all of my money. How does this make any sense to the person that declined me and usaa ks currently doing another review but how can I after 11 years and they treat me this way belive anything will go correct. I have talked to a lawyer to see if I can do anything and a police officer who said if needed to do so we could do a police report. I have sense offered to do a signed affidavit, like I will drive to XXXX XXXX and do it in person. My identity has been hacked thru usaa and have got no help. I signed up for XXXX today to see if they can help and rhey told me to do a ftc stolen identity and lock my credit file. Please please please help me. I am a father with a family of XXXX who is desperate for help witb usaa. Thank you
Consumer complaint received 2022-08-22
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

In XX/XX/2022, my credit score plummeted by XXXX points, but only with Transunion. I tried to get an answer as to why it plummeted when the only things that changed would have caused my score to go up, not down. They refused to tell me. They said they did not see anything different on my report, yet my score went down by XXXX points. In addition they have XXXX hard credit checks but I have no idea who submitted the checks. Transunion told me I would have to know the date and company who ran the checks in order to dispute them, but if I did not authorize the credit checks, how am I supposed to know that? I spent an hour and a half on the phone to basically be told they have no answer as to why my credit score dropped and I should look at my credit report. I spoke with XXXX who barely spoke XXXX AND he said he did not see any changes on my report for the month of XXXX but that Transunion does some secret magical calculation on reports so he would not be able to say why my score changed even though there were no changes just on time payments on my account. I also asked for them to remove a debt that is over 8 years old and was told they can not take that off my credit until the creditor closes the account. What good does that do? A creditor will leave an account as a collection forever if you let them. So they refused to take the hard credit checks off my credit and could not ( despite me asking them, demanding it of them ) tell me why Transunion decided to lower my credit score by XXXX points in a month that had no changes except for the better. Why are they allowed to mess with people 's lives just because they feel like it? This is ridiculous, and the fact that they can't tell me why is absurd!!!!!!!!!!!! Nothing was resolved, I am just getting a free credit report. They refused to look into the score drop any further. They talk to you like you are an idiot and just don't understand their " proprietary '' method of calculating a credit score. I am XXXX XXXX XXXX and they have been doing this my entire life - costing me time, MONEY, and aggravation. There methods of calculating a credit score should be transparent, not hidden from consumers who are affected by credit scores on a regular basis. Maybe a class-action lawsuit is in order with them. 

THIS COMPANY IS TRASH AND I THINK SOMETHING SHOULD BE DONE BY OUR GOVERNMENT. THINK OF HOW MUCH HEALTHIER THE ECONOMY WOULD BE IF PEOPLE HAD THE RIGHT CREDIT SCORE AND THE RIGHT AMOUNT OF FINANCING POWER. 

Transunion is a nightmare to my life. I hope you can help me this time. I need a clear answer as to what happened with my credit score. I know nothing changed to warrant a XXXX point drop in one month.
Consumer complaint received 2022-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Alliance One, Inc. (CA)

XX/XX/XXXX, I had my son 's XXXX XXXX XXXX towed to XXXX in XXXX, CA to have the transmission replaced. It was no longer covered under Manufacturers warranty. XXXX asked if we wanted a used transmission or a brand new one that would come from the manufacturer & gave us a quote for each. We decided to pay the extra money for a new one that also came with a 5-year warranty. The new transmission cost us {$2900.00} + labor, etc. We also had the brakes fixed, oil change & tires and the total bill came to {$5400.00}. To cover the total amount, we paid {$1800.00} with a debit card, {$2200.00} in cash & {$1400.00} with my son 's XXXX Credit Card. 
XX/XX/XXXX my son was on a road trip and the transmission in the XXXX went out again when he was 26 miles from XXXX. The warranty would cover the replacement of the transmission this time, but my son had to take an XXXX to XXXX that cost {$89.00}, the XXXX had to be towed to XXXX, costing {$180.00} & I had to take a day off work, rent a car to go pick up my son, rental car cost {$240.00}. Total of {$510.00} that we paid. 
When we got back to XXXX, XXXX originally refused to provide us with a rental during the time our vehicle was in for repairs so my son did not have a vehicle to get to work. After a month + we got the vehicle back. 
We originally paid {$2900.00} for the new transmission ( + labor ) & a 5 year warranty. XXXX replaced it with a Pre-owned transmission cost of {$1400.00} & only a 1-year warranty. I had to request the paperwork several times before XXXX finally sent it to me. Keep in mind, this all started in the midst of the Pandemic along with other factors so the XXXX Credit Card we used to pay {$1400.00} for the original transmission went un-paid. The total amount delinquent on the XXXX account is {$1400.00} + {$430.00} in late and finance charges, totaling {$1800.00}. 
I am requesting this delinquent balance be brought to zero & reported as paid in full due to the fact that we did not receive the same quality of product that we purchased as a replacement and we also lost 4 years of warranty because of this. 
I have sent a letter asking them to forgive this amount but they refuse. I also have never been reimbursed for the amount of {$510.00} that I had to pay out of pocket.
Consumer complaint received 2024-10-22
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. (FL)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
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 bought a white XXXX XXXX on XX/XX/XXXX from a dealership named XXXX XXXX in XXXX California. I signed a 5 year loan. I paid the last payment on XX/XX/XXXX which was the end of the loan based on the extensions I requested. So at the end of said loan, after my last payment was sent, confirmed and submitted based on XXXX XXXX XXXX and its Representatives over recorded phone calls, XXXX XXXX then changed the ledger, created mark-ups and padding, and added {$3200.00} more dollars after the last payment had been received. After I requested over and over again, in writing, by way of certified letters, on the XXXX XXXX website portal and over numerous phone calls, XXXX XXXX refused to validate in detail the exact reasons for the additional amount due or where it came from. So I had to hire an accountant to review the account and review the XXXX XXXX ledger ( which they sent to me by USPS ) My accountant could not justify the additional amount due as well. The accountant suggested that I request " an explanation '' So, I contacted XXXX XXXX and they still refused to " explain '' the amount due. Then I attempted to find a lawyer to represent me since XXXX XXXX said that they would only validate or negotiate the account with a lawyers office through their " Attorney Represented Client Department '' Throughout this entire time frame since XXXX of XXXX XXXX XXXX has been unable to confirm, explain nor validate their padded and marked up accounting ledger. They have severely damaged life byway of damaging my credit rating. I have been denied credit, denied loans, denied home loans. The credit report does not show the 6 years of payments. The only item listed on the credit reports and on all the bureaus is a balance of {$5400.00} The bureaus are no longer listing it as " in dispute '' The Bureaus show that I owe a balance with no details about the loan. Just because XXXX XXXX says so, without any validation, explanation or justification does not give the bureaus the right to destroy my life and continue to report fraudulent information. NOTE : In the past, XXXX XXXX has not prevailed with Class Action lawsuits relating to specifically " fraudulent padding and mark-ups on auto loans '' In addition, AXXXX XXXXXXXX  sold itself to XXXX XXXX XXXX XXXX of XXXX for XXXX XXXX, which means that XXXX XXXX  no longer exists.
Consumer complaint received 2023-03-30
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. (GA)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.