davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-19
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: HYUNDAI CAPITAL AMERICA (WA)

My wife and I are trying to trade in our Used Hyundai as part of a purchase for a new car, and Hyundai Motor Finance is unresponsive to requests for our lien release and title. The customer service on Hyundai 's end has been very bad, and they don't seem to be able to confirm or support this request.

We have contacted Hyundai twice by phone and we have still not received the lien release/title. They stated themselves that they are unsure if the lien release/title would be delivered to who we asked it be delivered to ( the dealership for our new car ), and we are incredibly frustrated and how Hyundai 's inability to field a simple request in a timely manner is leading to delays for both us and the dealership. 

We first contacted Hyundai Motor Finance on XX/XX/XXXX, and again today on XX/XX/XXXX. We have not received any confirmations or follow-up related to our request. This is well beyond the 15 day window they initially ensured for timely response. 

Moreover, it's worth noting that their title request page on their website is broken, so other consumers are unable to access this basic function of their business.
Consumer complaint received 2023-04-19
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)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX : {$3600.00} ; XXXX XXXX XXXX XXXX XXXX XXXX  : {$6400.00} ; XXXX  XX/XX/2023.
Consumer complaint received 2023-04-19
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. (MD)

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 3 credit bureaus to validate these accounts ( A ). 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 corrected : 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
Consumer complaint received 2023-04-19
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. (LA)

I am here making corrections to my last compaint that I filed on yesterday about the wrong company I am not complaining about the previous company I submitted that was an error on my end. This is my first time making a complaint and I put in the wrong information and I ask that you please disregard/remove my last complaint as I did not file it correctly so today I am making corrections and will list the companies I am actually complaining about in the next section. 

The companies I am originally making a complaint on are the three major bureaus they have ignored my disputes that I have sent to them and have not responded to me at all and that is why I am making this complaint but not against a credit repair company but against the credit bureaus and they need to be held accountable for not responding to me at all as I have noticed a lot of inaccurate information reporting from all three bureaus down below I have attached my identification along with some of my previous letteres that I have submitted to them.
Consumer complaint received 2016-11-14
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: EQUIFAX, INC. (CA)

My complaint is with EQUIFAX. EQUIFAX has no online complaint service that I can find. I have tried too many times to count in the last couple of years to dispute mistakes on my EQUIFAX file with no success. Their online service either asks security related questions that are not related to my credit, or if I get passed that point it will time out before I can complete the process, suddenly becomes unavailable, or malfunctions for a multitude of other reasons with the same result, a lot of time spent with absolutely no results. meanwhile the list of mistakes on my file with them grows. When I apply for credit and the organization uses EQUIFAX, I do not receive favorable results due to the mistakes viewed in my report by the organization, and these mistakes also lower my credit score, something all creditors use exclusively in their decision to grant credit. Creditors may say they look at the entire report to determine ones credit worthiness, but in my experience, not once has any creditor looked at anything beyond the score. I had a foreclosure after enjoying 30 years of excellent credit, getting mortgages on a signature. my credit score went into XXXX and while the foreclosure showed on my credit file I could not get any credit at all. once it was off, the score remained in the same place, I 've now had four years of fighting to get credit with very small limits, but have been excellent at paying everything on time, but still my score stay the same. I have to believe that no matter what I do I will not ever see a credit score of more than XXXX. But I still try by attempting to have the mistakes which over time seem to collect on ones report, removed. I ca n't tell you how many hours I 've spent on this. Please make this company clean up the bugs to it 's system. It 's hard enough in my XXXX 's now to deal with life in the capacity of borrowing at high advantage taking rates by predatory lenders when in my XXXX 's I enjoyed the lowest rates the market offered. When I make the attempt to I should not have to have insult heaped onto injury dealing with an online service that does not work. EQUIFAX has offered this service only to look as though they are making every effort to be transparent allowing individuals to access their credit file, but in truth they 've set it up a facade, an irresponsibly wasting the time of those already set back because of their credit circumstances. They are no better than the criminals who steal from us. Thank you in advance for putting them on notice.
Consumer complaint received 2017-12-14
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mr. Cooper Group Inc. (KS)

On XXXX XXXX we received a letter stating that we have n't provided proof of home insurance for our reverse mortgage to XXXX XXXX and that they had bought insurance for us for {$2600.00}. Since our insurance company, XXXX XXXX, had always provided this information to XXXX for years, I had paid no attention before. I immediately went to XXXX XXXX and they provided the necessary proof to the XXXX insurance division. On the XXXX of XXXX, I received a letter from the XXXX insurance division cancelling their insurance and crediting our account. 

A couple weeks later we had a visit from a debt collector from XXXX. Then, a home appraiser wanted to come to our house. Then the foreclosure threats started to arrive.

I have contacted the XXXX customer service department many times including the following : XXXX XXXX ( do n't have record of date ) XXXX XXXX on XXXX XXXX on XXXX ( he even wrote up an email to his manager while I was on the phone I have contacted their insurance department a couple of times and they have assured me that our account has been cleared, but the customer service department says otherwise. I even had a 3 way conversation between the insurance division and XXXX in the customer service department on XXXX. XXXX said their was another letter in our favor in the mail, but it turned out to be another foreclosure threat. 

Please see attached documents.
Consumer complaint received 2023-04-19
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. (LA)

My name is 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 2023-04-19
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. (CA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the accounts : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX
Consumer complaint received 2023-04-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Chime Financial Inc (PA)

On XX/XX/XXXX I disputed the amount for XXXX, chime then closed my account on XX/XX/XXXX. The merchant accepted the charge back as I was wronged and chime apologized for the billing error and ensured me on several occasions that my account closure check would be mailed to me within 30 days, it is now XX/XX/XXXX and no check has been printed or mail and no tracking number has been provided. I had spoken with supervisors and reps some who said the check was sent some who said it wasnt some who just didnt care to help at all. I have lost my car, I am on the verge of eviction and behind on several bills. This situation has worsened my XXXX I am at my breaking point. The reps and supervisors have made tons of escalation tickets claiming they are not in charge of checks and thats all they can do. But the escalation tickets have been very unhelpful Ive had express the severity of the situation on several occasions the company does not care. They are illegally withholding my funds and giving me false information or robotic response that dont apply to my situation. Everytime I reach out for help they say your account has been closed on XX/XX/XXXX and funds will be returned within 30 days but no funds are being returned and its over 30 days. I dont know what else to do Im at my breaking point I just want my money back so I can continue surviving this is so wrong.
Consumer complaint received 2023-04-19
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: Experian Information Solutions Inc. (IL)

Hello do XXXX XXXX THE NOST TERRIBLE COMPANY EVER HOUNDED ME EVERYDAY FOR MONTHS AFTER i told them I was a struggling XXXXXXXX XXXX  working and was going through mental trauma!!! They offered me a 2 month extension on my loan!!! Said my payments would all be current that were coming and we made a agreement!! Time pases I Pay when XXXX Came boom late payments!! Including finance charges and fees!! This is beginning to feel XXXX. The people at this establishment belittled me for being in a time of need had no care while Im taking care of the XXXX XXXX  while people are quitting left and right all I asked for was a break and they lied to me. And ruined my mental with this car loan the loan itself is fine i can pay it but the audacity to put late payments is so disrespectful so illegal, but also unlawful. I am need if the CFPB to clean my report up please force the hand of these unlawful companies and Bureas!! I got the late payments removed and they ILLEGALY put the late payments back on my report!! Without informing me or notice!!
Consumer complaint received 2023-04-19
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. (TX)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. I need the following items to be deleted ASAP. Thank you. 
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 XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-04-19
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. (TX)

I ordered a copy of my reportand I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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 2023-04-19
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 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 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2018-04-20
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Navient Solutions, LLC. (DC)

I was contacted by XXXX XXXX XXXX [ XXXX XXXX XXXX XXXX XXXX , NY XXXX ] about a debt that they purchased from XXXX [ XXXX XXXX XXXX XXXX , NE XXXX ]. I asked them to verify the debt was still valid as I had already paid it with XXXX. They asked me to contact XXXX/NAVIENT [ XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, PA XXXX ]. I have contacted all three companies and have the chats/email threads available in PDF format. They never replied. I requested : " The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor. State the amount of the debt when you obtained it, and when that was. If there have been any additional interest, fees or charges added since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law. If there have been any payments or other reductions since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each of them. '' The only documentation that arrived is a photocopy provided by NAVIENT of my original promissory note. XXXX sent a note stating that my wages would be garnished. They have not been able to verify that this is a valid debt. When speaking via phone to customer service at XXXX, they asked me provide proof that I had paid the debt with XXXX. I sent them images and screenshots via email per their request. I have not received a response. I was notified that this has impacted my credit rating. I have sent countless emails pleading to have this resolved. The complete lack of cooperation and common sense is frustrating. This is a waste of my time. I happy to pay what I owe, but they need to be able to substantiate
Consumer complaint received 2023-04-19
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. (NJ)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in 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
Consumer complaint received 2023-04-19
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. (MA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-04-19
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: Experian Information Solutions Inc. (PA)

I did not consent to, authorize nor benefit from any of the following account. Block and remove them. 


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
Consumer complaint received 2023-04-19
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. (TX)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-04-19
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. (TX)

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 3 credit bureaus to validate these accounts ( A ). 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 corrected : XXXX XXXX  XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}