davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX
Consumer complaint received 2024-02-09
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: SANTANDER HOLDINGS USA, INC. (PA)

I submitted a cashier 's check for {$16000.00}, made payable to Santander Consumer USA to be applied as a full payout for my vehicle ( XXXX XXXX XXXX XXXX  ) which was financed by the above-mentioned company. This company has promised over and over again that the title of the vehicle will be sent to me, but to no avail. Each time I contact the company, I have received a different story, and/or no replies to my emails. I have documented proof via email communications that can prove all of the items in this complaint. This company is essentially retaining the title to my vehicle for no reason, as the vehicle has been completely paid off I sincerely hope that you can intervene and please help me. The various " resolution specialists '' at Santander Consumer USA have told me " I'm working on it ''. " I can't answer that question for you ''. " I will escalate your case. '' " That is not my department ''. " I am the only person that you can speak to. '' " We can not provide tracking information for you for anything that is sent via mail. '' " We will XXXX  your reimbursement check. '' The excuses go on, and on, and on.
Consumer complaint received 2015-03-23
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: NATIONSTAR MORTGAGE LLC (NC)

Nationstar mortgage has had my loan in modification from over 5 months everytime i call i 'm put on hold for long periods of time then switched to another person whom request the same information that i just gave the first person then i 'm switched to another person whom places me on hold for more than 20 min and then transfered to another person whom puts me on hold and never comes back to the phone or they hang up this is not what i expected from a mortgage company and i no longer want to do busniess with them I need someone to tell me what my options are to get out of this mortgage. PLEASE!!!!!
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

My information was sold and bought illegally because I was a victim of the XXXX XXXX breach .I want these items Deleted from my credit reports effective Immediately.I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach and XXXX has done nothing please help me delete these illegal accounts from my credit reports and remove all those negative accounts
Consumer complaint received 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ALLY FINANCIAL INC. (FL)

I have observed Ally financial service reporting on my credit report, a loan that is not under my name and i am not associated with this. I believe this is identify theft or there is mix-up on their end. I have hired multiple credit repair agencies to dispute these issues and take it off my report for years. This is negatively impacting my abilities to get business and mortgage loans. I am reporting this as a form of escalation.
Consumer complaint received 2023-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AL)

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXXXX XXXX XXXXXXXX XXXX XXXX Balance Owed : {$230.00} XXXX  XXXX Balance Owed : XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Owed : {$770.00} XXXX XXXX  XXXX Balance Owed : {$450.00} XXXX XXXX XXXX Balance Owed : {$63.00} XXXX XXXX  ( Original Creditor XXXX XXXX XXXX ) XXXX Balance Owed : {$860.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX Balance Owed : {$290.00} XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-01-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I told XXXX, Transunion, and XXXX to reinvestigate these accounts : Account namXXXX XXXX XXXX XXXX, Account name : XXXX XXXXXXXX XXXX, Account name : XXXX XXXX,. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRUIST FINANCIAL CORPORATION (MD)

I am writing to dispute the following information that Truist supplied to XXXX, XXXX and XXXX credit bureaus ; whose report has incorrect information that has not been updated in reference to account ( XXXX open XX/XX/XXXX ). 

Prior to the Pandemic I had an Impeccable Payment history 800 credit score, I value being a financially responsible client. However, during XXXX I suffered from a major hardship, I had a great death in my family, and I lost my former husband, who at the time was my primary source of income. I also was laid off from my Job due to major cutbacks. Being a Widowed wife and a mother XXXX  XXXX It was hard to meet all my financial hardships. Nevertheless, I did not want to neglect my financial obligations. If you check the history on my account, I have never missed a payment from the time I opened my account in XXXX until the pandemic ; even after pandemic my payment history has been superior. In XXXX I reached out to your Truist to request hardship payment options, I agreed to do a settlement with your company, hence each account was paid. I was informed that the account would be kept current, no late payments will be reported due to me agreeing to settle the account and Care Act.

According to the Cares ACT, the CARES AcXXXX states if you make a debt-relief agreement, that creditor must continue to report the debt as current. Therefore, no late payments should reflect my credit file during that time. I Request that the late payment history be removed as soon as possible to be in compliance with the federal law. To ensure that creditors adhere to the Federal Law which prohibits Negative Credit Reporting according to The CARES Act signed into law on XX/XX/XXXX, Act to amend Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during XXXX XXXX. ( 15U.S.C. 1681s-2 ( a ) ( 1 ) ( F ). ) This has been an ongoing issue. I have also reached out to Truist in XXXX, XXXX, and just recently XXXX XXXX via dispute through my credit bureau, however both accounts remain the same inaccurately Late Payment history. 
Please reinvestigate this matter and contact the nationwide credit bureaus to have them delete the disputed late payment items as soon as possible.
Consumer complaint received 2024-02-08
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: Carvana Group, LLC (CA)

hello I'm purchasing used XXXX XXXX XXXX for {>= $1,000,000}. Carvana ask me for my Social Security Number and after all my Personal Information was input, Carvana is asking me for a Down payment. My understanding is that is a violation of Title 15 U, S, C 1662b, I'm making a consumer credit transaction which I'm financing and will be making payments until I discharge Credit and Cash are not to be commingled in a consumer credit transaction no matter if is electronic transfer. Now Carvana is not performing their fiduciary obligation as the Trustees, and Carvana is in violation of Trust Law, and Title 15 U.S.C 1602 and Title 15 U.S.C 1611. Carvana is denying my unlimited Credit. I just want to access a portion of my credit and Carvana is breaking the law. I want to thank you for taking the time to help me I'm glad that I have you on my side. I hope we can resolve this misunderstanding. Thank you Sincerely : XXXX XXXX XXXX, XXXX
Consumer complaint received 2023-12-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MS)

I recently viewed my credit report and I was shocked to learn that I have been a victim of identity theft. I found numerous accounts that weren't opened by me. This is hurting me during my process of purchasing a home for my family.
Consumer complaint received 2024-02-08
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: United Shore Financial Services, LLC (AL)

I signed a final loan closing on XX/XX/year> and the loan term stated I was to received XXXX at closing and the closing costs would be XXXX. I closed on refinance loan on XXXX My loan closing was supposed to be at XXXX XXXX XXXX from title company called and ask if we could move time up, because her heating unit at her house was broken and the repair man was coming at the time we had scheduled. I agreed to time change. XXXX XXXX XXXX from XXXX XXXX XXXX XXXX XXXX arrived and reiterated she was in a hurry due to home maintenance issue. XXXX XXXX rushed me through the signing. I was under the impression I would get a copy of signed documents at the end of closing. When I asked for my copy of closing documents. She informed me I need to get them from lender. I called lender and was told I had a 3 day waiting period and could not get final closing paper until after XX/XX/year>. I did not get closing papers until XX/XX/year>. That is when I discovered the amount to borrower and closing cost had changed.I contacted XXXX XXXX XXXX and was told they had my signed statement from loan closing that terms had changed. I informed them I wasn't aware due to being rushed during signing and not receiving final copy at closing. XXXX XXXX XXXX informed me they had my signature and therefore no fraud was committed. I informed XXXX XXXX XXXX if I had been aware of the terms changing from XXXX XXXX  final loan disclosure the loan would have been rejected. I feel like this was fraud committed upon me. I am a XXXX Veteran and this ordeal has aggravated my XXXX.
Consumer complaint received 2023-04-01
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. (LA)

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 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 inquiries. 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 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I urge you to promptly remove this late payment from my account, as it does not accurately reflect my payment history. I have consistently made timely payments, and it is unacceptable to have this erroneous entry listed. Please update my account promptly.
Consumer complaint received 2024-04-12
Product: Credit reporting 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. (PA)

Ive checked my credit report, and realized someone applied for loans using my information that I DID NOT authorize. There are UNVERIFIABLE inquiries showing on my credit report that I would like removed immediately. XXXX XXXX, as well as Experian are reporting these UNAUTHORIZED inquiries, the inquiries are as follows : XXXX XXXX : XXXX XXXX XXXX XXXX XXXX : XXXXXXXX XXXX XXXX Experian : XXXX XXXX XXXX. 

I would like these inquiries removed from these credit entities immediately.
Consumer complaint received 2024-04-12
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 been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced
Consumer complaint received 2024-01-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LEXISNEXIS (MI)

AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY. THE CREDIT REPORTING AGENCIES XXXX, XXXX, XXXX, XXXX, LEXISNEXIS, XXXX, XXXX AND XXXX HAVE VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISED INFORMATION WITHOUT MY CONSENT. INCLUDING THE FOLLOWING ACCOUNTS XXXX XXXX ON MY CONSUMER REPORT. ADDITIONALLY, THEY HAVE CONTRAVENED 15 USC 1681B, which outlines the permissible purpose of consumer reports. I have requested Form SSA-89 from XXXX WHICH IS A FORM THAT SHOULD BE FILLED OUT, THEN SIGNED BY THE CONSUMER ( MYSELF ) AS PROOF OF APPLYING FOR THE SAID CREDIT. THE CREDITOR THEMSELVES DO NOT HAVE SUCH DOCUMENTATION AS THS, WHICH MEANS THEY HAVE FAILED T DO THEIR JOB AS A RESPONSIBLE CREDITOR AND KEEP SUCH FILES IN THEIR RECORDS FOR THESE REASONS, SO THAT IF IT IS REQUESTED WE WILL KNOW WHO, WHAT WHDEN AND WHERE TO PROCEED ON SAID CASES AS THIS IN THE EVENT OR FRAUD AND IT IS DEEMED AS SO MY PRIVACY HAS BEEN VIOLATED AS WELL XXXX!!!! IAM NOW TRYNG TO PURCHASE A HOME AND THIS IS THE ONLY ITEM NEGATIVELY AFFECTING MY CREDIT IN THIS CASE. PLEASE REMOVE IN THE 1-4 BUSINESS DAYS AS THE DISPUTING TIMEFRAME HAS BEEN ELAPSED AND THE SAID FORM NOT RECEIVED. THANK YOU FOR YOUR PROMPTNESS.
Consumer complaint received 2024-05-16
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION (GA)

I took out the loan on XX/XX/XXXX for a XXXX XXXX XXXX, for the amount of {$35000.00} when I checked to see how much I have left on the loan it shows {$34000.00}. It will be a year and a half in XX/XX/XXXX. According to Credit acceptance, I have only paid {$1300.00} off the loan. The way the bank is going when my loan term is over I would still owe them money. I have made payments to Credit acceptance over {$10000.00} and it hasn't taken any effect on the car loan. They are ripping me off. I have made my payments but my balance isn't decreasing.The dealership also hid information from me by not giving me the contract and they signed the contract themselves.
Consumer complaint received 2024-01-26
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I encountered an individual on the XXXX messaging application with the XXXX XXXX, who later identified herself as XXXX on XXXX XXXX XXXX After a month of casual online chatting, she gained my trust, presenting herself as a wealthy individual with connections in international trading, particularly in gold. She introduced me to the prospect of investing in international gold trading using the XXXX account on the XXXXXXXX XXXX. 

Under XXXX 's guidance, I opened a XXXX trade account on XXXX XXXX XXXX  and made an initial deposit of {$9900.00}. Subsequently, I deposited additional funds totaling {$500000.00}, following instructions provided by XXXX through XXXX messages. 

The account showed substantial profits, and to further gain my trust, XXXX facilitated a nominal withdrawal of {$100.00} on XX/XX/XXXX. However, upon attempting to withdraw larger amounts on XXXX XXXX XXXX XXXX, my requests were refused, and I was informed that my account was locked. 

Upon further investigation, I came across articles exposing scams involving fake gold trades, leading me to believe that I have been a victim of such fraudulent activities.
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NJ)

In light of recent developments, it has been brought to my attention that the creditor failed to furnish the required 21-day notice along with a statement, which would have allowed sufficient time for payment processing and thus, prevented any late payments from occurring on these accounts. This oversight has led to a misrepresentation of the payment status, suggesting a billing error on the part of the creditor. 

In response to this discrepancy, I kindly request tangible evidence from the creditor 's bank account, demonstrating any instances of non-payment that purportedly resulted in the reported late status. This evidence is essential for clarifying the circumstances surrounding the alleged late payments and verifying the accuracy of the reported information.
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NJ)

the law clearly states a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for ANY PURPOSE unless they send the information in section 1637b and they never did at all its harming my credit so please ill like to have these late accounts removed
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Consumer complaint received 2024-01-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (NY)

my name is XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XX/XX/XXXX. I was using PayPall XXXX as my POS and credit card processing since XX/XX/XXXX. Every couple of months I would receive an email that my account is being limited until I send them requested information, which I always obliged with. On XX/XX/XXXX I received a message via PayPal app that I need to supply PayPal with more information, at this point I was able to process credit cards for customers at the Pharmacy however not been able to access those funds from the app. I complied with the request and received massages that PayPal will review information and respond within 5 days, at which time PayPal then requested more information until XX/XX/XXXX when I received an email stating that my account has been deactivated. My account had a balance of {$10000.00} and PayPal will not allow me to access my funds for 180 days. I called XX/XX/XXXX and asked to why?. I was told that PayPal customer service doesn't know why, because PayPal 's back office deactivated my account and PayPal customer service has no contact with PayPal back office.