davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-26
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. (LA)

Experian keeps violating the laws! I show them on multiple occasions and plenty different ways how they are violating the Fair Credit Reporting Act. According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately. I have uploaded documents as to how Experian has not been following the Metro 2 compliance which are the laws they set in place to govern their business and how they are violating the FCRA which is actual Federal Law! According to 15 USC 1681b ( 1 ) the credit bureaus don't have any written permission to furnish anything on my consumer report. 
Experian stated in their recent response that they performed an investigation and the debt collectors has verified the accounts on my behalf. Experian has not explained how they performed the investigation, what information did the debt collectors give Experian to verify the accounts, who did " Experian '' talk to from each debt collector, how did Experian verify that the information from the debt collector was correct and not false, how did Experian make sure the debt collectors records were accurate as well? 

15 USC 1681 ( a ) ( 4 ) states there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy Experian has not being doing this at all. Instead, they send stall letters saying they can not proceed with my investigation because I'm not a real person to not adhere to the law of removing fraudulent accounts in 3 days ; then they extend my FRAUD ALERT, only to say that the FRAUDULENT accounts are mine!
Consumer complaint received 2023-04-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: LJ Ross Associates (CA)

re : credit debt collector LJ Ross Acct # XXXX DTE Document # / Case XXXX Received billing from LJ Ross collection agency regarding DTE energy bill for utilities used at XXXX XXXX XXXX XXXX XXXX. I have never lived at that address or know anybody from that location.
Consumer complaint received 2024-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

In accordance with the Fair Credt Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, has violated my rights. 1 looked at my XXXX credit report on XX/XX/2024 and noticed some things are Incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report & shall follow reasonable procedures to assure maximum possible accuracy of the information conceming the Individual about whom the report relates according to 15 USC 1681 ( eXb ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in XXXX, ater any reinvestigation under paragraph ( 1 ) of any information disputed And according to 15 USC 1631i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( Ajin generalit, afer any reinvesfigation under paragrach ( 1 ) of any information disputed by a consumet, an bem of the information is found to be inaccurate or incomplese or can not be verfied, the consumer reporting agency shan.- ( promply delete that item of information from the file of the consumer, or modity that tem of information, as appropriate, based on the results of the reinvestigation ; and ( " promptly notty the fumisher of that information that the information has been modfied or deleted from the tie of the consumer and according to 15 USC 16818-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency il the person knows or has reasonable cause to XXXX that the information is inaccurate
Consumer complaint received 2023-04-26
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CarMax, Inc. (TX)

I received a call from a representative by the name of XXXX at XXXX on XX/XX/2023. She was rude and I told her she was speaking to the debtor. When she wanted to verify more information I told her I was not going to voluntary provide any more information to use against me.all she did was repeat the questions. When I advised again I was not, she stated they had a return mail. I told her I was not going to provide anything. She yelled and stated " thats your problem ". When she realized she yelled she paused then repeatedly asks for more information. I disconnected the call after this. This was a clear sign of overt discrimination. This has happened before with XXXX loans. I filed a complaint and you guys did nothing. I don't want to hear it this time. It seems if I was a protected class of a type of person or culture. Something would be done in a heart beat. No questions asked. But let it be a normal human being and we don't get any help. It seems the only way to get any resolution it to blast it on social media these days.
Consumer complaint received 2023-04-26
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: Experian Information Solutions Inc. (VA)

list of inquiries that were not made by me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-26
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CREDIT ACCEPTANCE CORPORATION (OH)

This issue is regarding an auto loan I had dating back to XXXX, with Credit Acceptance Corp. It was a used XXXX  and the transmission went out on the vehicle, I called and had them pickup the vehicle. I only had the vehicle for 24 months and the transmission went out. Credit Acceptance is reporting the vehicle on my consumer file as a repossession, the vehicle was not a repossession, it was an involuntary repossession because the vehicle was sent back because it had a faulty transmission. In addition, Credit Acceptance Corp is claiming I owe a balance of {$4100.00} dollars for a lemon they sold me. This account should not appear on my consumer file, Credit Acceptance Corp is reporting inaccurate information on my consumer file and this account should not appear on my credit file. This account should be removed from my credit file.
Consumer complaint received 2017-08-03
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (WI)

In early   XX/XX/XXXX , I rece ived an email inquiry from   XXXX   XXXX   about refinancing my current  XXXX  condo mortgage. Since my mortgage is held by Wells Fargo, I contacted it about refinancing. The terms sounded good over the phone, I began the process. Later that day, I received a dozen or more somewhat confusing emails and despaired of the entire process, especially after discussing with my wife who reminded me of our desire to sell the condo next  XX/XX/XXXX / XX/XX/XXXX . So the next  day,  XX/XX/XXXX  be lieve, I stopped the process.   When I received my credit card statement, an amount of {$500.00} was billed but only {$470.00} re credited. I call t he WF rep (   XXXX   XXXX   ) who said t hat the remaining amount was for a credit report which was non-refundable. The next day or so, I asked when I would receive a copy of that report. She said that I would not and that it belonged  to WF. I wo uld like my money returned OR a copy of the report I for which I paid.
Consumer complaint received 2023-08-24
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NRA Group, LLC (AL)

I hired XXXX XXXX in XXXX, and there was a collect from National Recovery Agency for a medical debt from XXXX for XXXX. I was able to get it deleted in XX/XX/XXXX. I was never notified from the credit bureaus within 5 days, or the collection agency that the exact same collection agency put it back on my XXXX credit report yesterday on XX/XX/XXXX. With a date opened XX/XX/XXXX!
Consumer complaint received 2023-04-26
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. (NV)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 

XXXX XXXXBalance : {$2400.00} ; XXXX XXXX XXXX Balance : {$280.00} ; XXXX 54661605****Balance : {$2700.00} ; XXXX XXXX XXXX Balance : {$2000.00} ; XXXX XXXX Balance : {$5000.00}.
Consumer complaint received 2017-08-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (NY)

My name is XXXX XXXX I am the Power of attorney for my Mother XXXX XXXX. XX/XX/XXXX the Doctor Prescribed hearing Aide that was not covered by her Insurance. She was forced to sign an agreement to pay off a debt of {$2300.00} dollars. Each time the debt increased with an interest rate of 26.99 % and a late fee that ranged from 25 dollars to 35 dollars. I was not aware of this until recently when requested for an investigation with the Company. The original Contract was with GE Capital Retail Bank and then was changed without notification to Synchrony Financial onXX/XX/XXXX as a credit card account and not a loan, which was original agreement. I have over 60 pages sent by the Synchrony Financial explaining the outrages charges.
Consumer complaint received 2023-04-26
Product: Vehicle loan or lease — Lease
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)

I requested to receive my title when I paid it off in XX/XX/2022. They sent me a title but not the lein release. I go to the dmv and thats not the correct title and I cant do anything because they sent me a title that should of never been sent and I dont have the lein release still to this day. I called them they told me that I need a wet signature lein release and told me they will fax it. I need my title or Lein release ASAP its been 4 months and they still show they have a lein on me at the DMV. This is Hyundai motor finance
Consumer complaint received 2023-04-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (MN)

Disputed a charge with discover, charge was for a service not as advertised.

Sent plenty of valid proof to discover, about 15 images of proof. 
Discover sides with the merchant and refused to accept anymore documentation I had. Would not give me the documentation the merchant provided either Discover has a habit of denying valid disputes with customers. This is the second time this has happened to me personally
Consumer complaint received 2024-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and may be the result of identity theft or other illegal activities. Attempting to enforce these fraudulent accounts is unlawful. I request that you expedite your investigation to prevent further harm, losses, or damages that I may suffer as a victim of identity theft.

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.
Consumer complaint received 2023-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

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



15 U.S.C. 1681 section 602 A. States that I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states that a consumer reporting agency such as yours CAN NOT furnish an account without my written instructions.

15 U.S.C. 1666 Correction of Billing Errors 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. 



Thank you for your time and cooperation in this matter. 


Best Regards.
Consumer complaint received 2023-04-26
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. (FL)

XXXX XXXX {$6800.00} I FILE A FTC REPORT AND NOTIFY XXXX EXPERIAN XXXX ABOUT THE FRAUD ACCOUNT LISTED ON MY REPORT. IT TOOK LONG THAN 30 DAYS AND STILL NO RESPONSE ARE REMOVER OF ACCOUNT.
Consumer complaint received 2023-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (GA)

15 U.S. Code 1681c2 Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 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. 
YOU ARE IN VIOLATION IT HAS BEEN ONE MONTH AND THESE ITEMS ARE STILL ON MY CONSUMER REPORT PLEASE REMOVE ALL THE FOLLOWING ITEMS AS I AM A VICTIM OF IDENTITY THEFT. 
15 U.S. Code 1681b - Permissible purposes of consumer reports Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. 
( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or ( B ) intends to use the information for employment purposes ; or ( C ) intends to use the information in connection with the underwriting of insurance involving the consumer ; or ( D ) intends to use the information in connection with a determination of the consumers eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicants financial responsibility or status ; or I WOULD LIKE FOR ANY AND ALL ACCOUNTS RELATING TO XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX XXXX TO BE REMOVED IMMEDIATELY.
Consumer complaint received 2017-08-03
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: SUNTRUST BANKS, INC. (FL)

Good Afternoon, Re : Marketing offer never received : 4 months ago I opened up an account in Suntrust Bank the location in XXXX  XXXX, Fl It is near a place where I do contract work and they do direct deposit. I had an offer for a new account that offered {$200.00} after 90 days of opening a new account and having direct deposit and a min of XXXX the checking account would receive the deposit. I went over to the branch and asked if I can open the account or had to do it online. The lady that attended me said it was not problem. She said She would do all the paper work for me and after 90 days I would received the {$200.00} deposit.
Well its been 120 days now and I have asked and they are always giving me the run around. There was also a man complaining at the branch when I went also with the same issue.
I asked to speak with the manager but they would never let me talk to him. I called the XXXX # and put in a complain and they told me that I did not open the account correctly. I explained that the branch opened the account and I was told everything was fine no problem that I would received the {$200.00} in 90 days. I keep getting the run around, I complained again and was contacted by a lady named XXXX from the XXXX # and she explained that at the time I opened up the account 2 offers were going on. 1 for Branch and 1 for Online accounts. She explained that the manager would take care of this for me and I would receive my money since it was not handled appropriately. Since then the manager contacted me 2 weeks ago and said he was very busy and would call me the nest day. I have not heard from anyone and every time I call they are very unprofessional and give me the run around. I have other banks I use and I have never experienced this type of customer service before. I left several messages with the manager and never receive a call back.
Consumer complaint received 2023-04-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

On XXXX XXXX I authorized a {$1400.00} XXXX payment from my Capital One checking account XXXX to XXXX XXXX XXXX. The funds were removed from my account and deposited in the account of XXXX XXXX XXXX. 

On XX/XX/XXXX, I received a call from XXXX XXXX XXXX asking why they had received a check from Capital One for {$1400.00}. 

I spent more than XXXX hours on the phone with various people at Capital One NONE of them could explain how or why this had happened. On XX/XX/2023 the funds were apparently taken out of XXXX XXXX XXXX account but were NOT returned to my account. 

XXXX XXXX wants to deposit the check but I do not want them to unless and until the funds are returned.
Consumer complaint received 2023-04-26
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: Experian Information Solutions Inc. (FL)

Today, XXXX XXXX XXXX I went online to get my free annual credit report from the three major credit reporting agencies. I got it from two but NOT from Experian. I got the message that they can not provide the report. 
I particularly intended to get the report from Experian because XXXX XXXX from XXXX, MO send me a letter dated XX/XX/ denying a loan and referring to the Experian credit report. 

I have NOT applied for a loan at all and particularly not with this company or bank. 

The specifics on the Bank letter were " your credit Score XXXX Source Experian and Model : Experian/FAIR, XXXX ( XXXX. XXXX ) date : XXXX XXXX XXXX I need this to be investigated and resolved.
Consumer complaint received 2017-08-03
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: FIVE STAR MORTGAGE (NV)

Mortgage Broker : Five Star Mortgage, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NV XXXX XXXX XXXX or XXXX XXXX Lender : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX XXXX XXXX Loan # XXXX Our mortgage broker and lender didn't follow the FHA guidelines. 
This was a vacant foreclosure, and no one upheld the FHA required inspections, that were to occur. 
We had this home inspected by XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, NV XXXX XXXX XXXX or XXXX XXXX on XX/XX/XXXX. They overlooked several major items that needed to be replaced or repaired. 
And the FHA Appraisal was completed on XX/XX/XXXX by XXXX XXXX Lic # XXXX XXXX. They also overlooked the needed repairs. 

We closed on the home XX/XX/XXXX, but moved in on XX/XX/XXXX. 

We then discovered : Mold around baseboards No Hot Water Garage Door opener malfunctions Kitchen sink pipes came apart, they were cut to short 2nd floor bathroom pipes also were cut to short Corroded light fixtures Non-working electrical outlets, even wires exposed Water Recirculating pump is burned out Window screens missing No GFI switches in upstairs bathrooms Additional broken window in bedroom White particles coming from vents Entry doorswere not properly installed or sealed Roof was never inspected Underground water sprinkler system is not working We believe, these issues were intentionally overlooked or minimized by the inspectors, for the benefit of the mortgage lenders and the realtor. 

Please let us know what canbe doneabout this situation. We've attempted to reach out tothe XXXX Inspector, XXXX XXXX, his manager XXXX XXXX, CEO and even their corporate office, without any success. 

Our realtor, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, NV XXXX, XXXX XXXX or XXXX XXXX, did NOT provide us with a copy of the Seller 's Disclosure Statement, until two weeks after we had closed. Therefore we were not aware that this property had been a foreclosure and that there had been mold issues. 

If you require any additional information, please let us know. 
Thank you for your urgent assistance in these matters.