davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-29
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA (FL)

This is a follow up to complaint XXXX. 
I have contacted the XXXX department of revenue as well as the XXXX XXXX clerk ; neither have any record of any communications from hyundai. I called Hyundai motor finance this morning and was told that titles had been sent to an office in XXXX Georgia ( for some reason ) and the XXXX department of revenue weeks ago. None of that appears to have happened. I was told that the note said they were missing some information, but they had no idea what that information was specifically. I was then transferred to someone who specializes in titles, but after 11 minutes on hold I was hung up on. 
I called again and was connected to someone who specializes in titles ( but who does not actually work in the titles department ). Apparently no one can contact the title department for anything at any point, so what they might need or what they might have is purely speculation on the part of whoever answers phones. I was then told that they did in fact have the address for the county clerk 's office but they had no idea when a title might be sent. They also stated that they could not even send an email to the title department to ask. This title specialist had absolutely zero information about my title. I've been trying to register this car for months and have repeatedly sent Hyundai the requested information. Despite this they say my request was initiated on XX/XX/XXXX which email communications with Hyundai show to be completely untrue. I asked for legal department information so I could send an intent to see notification and of course they neither have a phone number nor an email address. Their only contact is a physical mailbox in california. 
I had multiple messages in my Hyundai America messaging center showing that I had sent duplicates of the requested information, however they appear to have somehow disappeared since I submitted my last complaint. 
Forums are filled with similar things, Hyundai has absolutely no interest in correcting this problem or making it easier for consumers. I'm in the market for three more cars for family members and despite liking my car I have crossed Hyundai 's completely off the list. After hearing how difficult this has been several friends have bought XXXX instead.
Consumer complaint received 2022-09-13
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Upon viewing all three credit reports from the credit bureaus, I began to inquire about the validity of the accounts. I then began to question the bureaus to verify and validate all the accounts listed. All three agencies have failed to verify the accounts as required by the Fair Credit Report Act Section 609 ( a ) ( 1 ). All correspondence was forwarded via certified mail and standard mail on XX/XX/2022 to ensure its arrival. ( tracking numbers have been provided ). TransUnion forwarded correspondence advising dated XX/XX/2022, that they received the request that included my information, but didn't appear that I or a properly authorized third party sent it to them. The document in question was signed on XX/XX/2022 in front of a notary where a valid ID was required. All in attempt to avoid and delay this process which should have concluded within 30 days.
Consumer complaint received 2022-12-02
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)

I ordered a copy of my report in XXXX XXXX  and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, XXXX / Experian / XXXX has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete its investigation within 30 days. Please check the payment history, date open, last activity, and Status of XXXX XXXX Account XXXX. I believe it was reported in error. 
XXXX XXXXXXXX XXXX Balance : {$760.00}
Consumer complaint received 2022-09-29
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Paramount GR Holdings, LLC (KY)

We had solar panels installed through XXXX XXXX which has now been proven to be defective faulty equipment also through XXXX and partnered with GoodLeap. There are thousands across the United States who are now filing class action lawsuits and complaints to the State Attorney General in the state each resides. XXXX XXXX now is filing bankruptcy owned by XXXX XXXX. Not a single phone number we had been given is working. Our equipment like thousands of others does not work and we can not speak to anyone regarding fixing this equipment. Most are now stopping payment to GoodLeap as they should have vetted this company deeper and should shoulder this blame. We are in our second year and on the hook for 23 more years of payments on equipment that has damaged our home and rendered it completely useless. They are now trying to put liens on home owners who in good faith bought into something that was misrepresented, deceptive and fraudulent. Also destroying the credit of hard working Americans. Please help the thousands of home owners like us, whose lives are being destroyed by these practices and charlatans.
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NC)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (HI)

I've been attempting to contact the appropriate authorities about the errors on my credit report, but I haven't had any success. It's been incredibly frustrating and stressful, keeping me up at night wondering about my financial future because these inaccuracies are unfairly impacting my credit score and preventing my credit applications from being approved.
Consumer complaint received 2022-12-02
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)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Experian credit bureau to validate this account ( A ), as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any items of information contained in a my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus 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 items from my 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 creditor. It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and update : XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX  XXXX, CA XXXX, XXXX CO XXXX Date Opened XX/XX/2017 Balance {$7900.00},
Consumer complaint received 2023-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AL)

I disputed an account with XXXX XXXX twice for incorrect information being reported on my credit report. I requested that the company provide documentation to prove the payment history because the payment history is reporting inaccurate and incomplete information, which is a violation of the Fair Credit Reporting Act. The company did not provide documentation of the payment history. It has been 3 months since they received my dispute. The time is up to respond and now this account must be deleted from my credit reports.
Consumer complaint received 2022-09-29
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BROKER SOLUTIONS, INC. (MD)

I applied with New American Funding almost a month ago. Their provided me a pre-approval for amount of XXXX as FHA. After a month, I received an Email from their representative, XXXX XXXX, XXXX XXXX, in regard to employment verification. I have emailed him back expressing my concerns that how they could pre-approve me about a month ago without fully employment verification. So, based on what he could give me pre-approval. Because XXXX and XXXX XXXX first gathered all information and then provided me the pre-approval. In addition, I provided all I provided to other lenders as well. As a result, when I received XXXXXXXX XXXX email about employment verification, I politely addressed my concerns and why I wouldn't proceed with them anymore. He called me from recorded line and due to high background voice, we couldn't talk. Then he called from his cellphone which was unrecorded line and wanted to explain that he needs to verify my employment upfront. I explained this not called upfront because you already gave me pre-approval and now it is verification after pre-approval. Before I finish the previous sentence, he stopped me and when I said let me finish, he said if I let you, you talk all day long. I immediately hanged up and called their complaint department and addressed my experience. As a person who is working in retail and dealing with customers, I never heard such a thing someone tells a customer, if I let you, you talk all day long. I am very upset the way he handled my lending need ( mortgage application ) and his disrespectfulness at the end. The company that he represents ( working at ) is New American Funding.
Consumer complaint received 2022-09-22
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Date Opened : XX/XX/2021 Balance : Balance : {$2300.00}
Consumer complaint received 2023-04-04
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. (DE)

Fraudulent Unauthorized credit inquiries on my credit reports, I tried to dispute it with the companies but not able to, its seem any bank or agencies can run a consumer report and no one seems to care about it. 

On my transunion report XX/XX/2023 by XXXX
Consumer complaint received 2023-04-04
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. (NY)

The items listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( XXXX ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 

XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NY XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$3500.00} XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX & XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX 
XX/XX/XXXX ; XXXX XX/XX/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
Consumer complaint received 2024-08-26
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)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2022-09-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

on XX/XX/XXXX i made a payment on the XXXX website for {$2200.00}. The website produced an error and told me to try again. i clicked pay a XXXX time and the payment went though. today, XX/XX/XXXX i see FOUR payments on the XXXX website and 2 payments in my bank account. 

i immediately called XXXX bank and they told me there was NOTHING they could do about it and i would have to wait 10 days then they could MAIL me check!!!??? what??? you can take the money instantly but you can't credit back instantly?? 

this was the fault of 53rd bank as per the technology of their web site NOT from me. 

this should have been reversed and credited back immediately.
Consumer complaint received 2022-12-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (MN)

My previous lender sold my mortgage to Rushmore and I have never felt so threatened by a mortgage servicer in my life. It is constant harassment about my payment even during grace periods. When I try to pay online they make me call my payment in. Problem is I am stuck on hold for over an hour. I work a lot and their business hours seem to change. I will call and they will be closed or keep me on hold til they close. One month I was late because they closed early??? Why cant I pay online? Its almost like they are doing it on purpose. Also my previous lender adjusted my escrow for next year prior to them transferring it. Rushmore adjusted it again for the same year so now my payment is going up another {$250.00}. I tried to get an explanation but the rep was zero help and incredibly rude. I hate dealing with this company. It creates constant stress and I feel like they are using predatory practices. I have to watch my statements every month, my credit report, and now they are sending me certified mail. Im never home to receive it so I get these dreaded notices. Its panic inducing.
Consumer complaint received 2022-09-22
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

The unverified account indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the XXXX and TransUnion credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( XXXX ) ( A ) and 611 ( a ) ( XXXX ) require this account to be authenticated ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX OF XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}
Consumer complaint received 2022-09-22
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. (VA)

My name is XXXX XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 

15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Consumer complaint received 2024-08-26
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. (OH)

After sending complaints here in CFPB these negative items are STILL reporting and my complaints have NEVER been resolved. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Consumer complaint received 2023-04-04
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. (GA)

This is the several time I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, GA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX MI XXXX, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXXXXXX Balance : {$700.00}, XXXX XXXX XXXX XXXX XXXX {$1200.00}, ( Original Creditor : XXXX XXXX ) XXXX Balance : {$26000.00}, XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-04-04
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: Certegy Holdings, LLC (CA)

Hello, I hope you're doing well. I'm writing this compliant against the Certegy Payment Solutions , LLC. 

I tried to cash a check at XXXX. I was denied. The reason for the denial was that I didn't meet the acceptance guidelines. 

I haven't written a personal check in almost seven years. I would like a transaction removed from my report that was resolved. The see attached. There is no way this check from XX/XX/XXXX wasn't paid until XX/XX/XXXX. If this checks had been resolved why isn't this entire tradeline with XXXX removed. 

If any company that cashed checks and uses Certegy to VeriFLY the accuracy of my account. I will still come up flagged even though the issue of the check was resolved. I contacted XXXX. They don't have this check in there system. I would like this resolved item removed. My FCRA rights have been violated. 

Please clear my entire consumer report. I appreciate your time.