davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I submitted a dispute to your company after i found several inconsistencies and errors. The responsibility of the credit bureaus remains to verify information before posting. if inaccurate information is found it must be deleted immediately according to the FCRA. 
I did not request these accounts to be updated, I requested for them to be verified or deleted. this is my final attempt to resolve before contacting attorneys.
Consumer complaint received 2024-02-02
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Exeter Finance, LLC. (MD)

I have taken my car back to the dealership in which Ive purchased my car from initially only for them to not be able to properly diagnose my vehicles issue. So they sent it back to my manufacturer dealership which is XXXX in XXXX XXXX, MD. They were able to diagnose my car with an issue in the motor and reported back to my warranty company that is XXXX XXXX XXXX. Under my warranty in my contract is states that any motor issue and or XXXX XXXX issue is to be covered. The warranty company has then sent an inspector to review my car because it was said that a brand new engine was needed. They then came and asked for my first tear down because they wanted to further investigate the engine. XXXX reached out to me and said what they found wasnt conclusive enough so they recommended a XXXX tear down. Please keep in mind my car has been with the dealership since before XXXX XXXX XXXX it is now XXXX XXXX XXXX The warranty company then asked for all receipts regarding my previous oil changes to rule out that the damage was my fault. I then sent all receipts XXXX day after they asked. I Purchased my car in XXXX XXXX XXXX, therefore I only had XXXX oil changes before my car started to malfunction. Today I was advised by the XXXX dealership that XXXX XXXX XXXX  would not covering any and all repairs to my car even though its stated Im covered in my contract. I have reached out to the warranty company and they have not provided me with any information as to why it is not being covered. This is completely unacceptable that this issue is not being covered and that I have been without a vehicle for months. If the company is not willing to resolve the issue I will be taking legal action immediately. The XXXX dealership has stated I have to pay XXXX for all fees for car diagnostics when they initially told me the cost was {$190.00} and it was also according to warranty service contract.
Consumer complaint received 2024-04-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 2023-12-12
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)

On last month I made a payment of XXXX to XXXX XXXX XXXX to renegotiate my contract and make my account active again, but they have failed to update the terms and credit information
Consumer complaint received 2023-08-30
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. (TN)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. I feel like I'm being taken advantage of and being ignored. At this time I would like to prepare another appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable account that is kept to be established as correct. I am in desperate need of this item to be INSPECTED and REMOVED. 

XXXX XXXX XXXX
Consumer complaint received 2023-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

n accordance with the fair credit report act, the list of accounts below has violated my federally proted consumer rights to privacy and confidential under 15 usc 1681. 
XXXX XXXX XXXX XXXX account : XXXX 15 usc 1681 section A. States have rights to privacy.

15 usc 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish without my written instructions.

15 usc 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes Which antedates the report by more than seven years.

15 usc 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 2023-10-29
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation (NY)

I applied for a loan at one main financial got approved for a loan. When I went in to sign the agent never disclosed the extra added fees of add ons thst were optional they were all ready included with my loan. After going home and taking a closer look I saw they were optional so I called a couple days later asked withdraw from extras and get refund and new paperwork of loan without extras and was told one was not needed and there was no refund thst mo ey is disbursed back to bank.
Consumer complaint received 2024-01-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC (NC)

Loan/mortgage was originated approximately 10 years ago. All payments have been made prior to due dates. Insurance information has been provided as required. Approximately 2 months ago ( XXXX XXXX ), Newrez started billing for " lender placed insurance '' $ XXXX. When we received initial notification, we were told no insurance was in place for the property, a condominium. Both our insurance provider, XXXX XXXX, and us sent evidence of insurance coverage which has been in place under the current policy since XX/XX/XXXX and expires XX/XX/XXXX. Newrez sent a notice dated XX/XX/XXXX acknowledging receipt of insurance coverage and would get back to us within 5 business days to let us know if the provded coverage is adequate. As of today, XX/XX/XXXX, or XXXX business days after their acknowledgement letter, we have not received any information from Newrez. Today we called Newrez to find out if they made a determination. After nearly an hour on the phone with their customer service and insurance dept., we were told that they need a copy of the XXXX master insurance policy for the exterior of the property. to be brief, ( i ) no such notice requesting this information has ever been sent, ( ii ) there is no such provision in the loan documentation and ( iii ) we have never been billed for Lender Placed XXXX before.
Consumer complaint received 2024-01-31
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (FL)

I made a XXXX cash deposit to my PayPal business card on XXXX store XXXX XXXXXXXX XXXX late afternoon. I gave cashier my XXXX cash and another XXXX to cover the fee. I swiped my PayPal card and transaction went through and she gave me a printed receipt and the change from the XXXX moneys did not ever show up and no transaction showed. I called store and manager was never in at the time. In needed money on card to rent a vehicle. I could not rent needed vehicle upon arrival at airport. I called PayPal and referred to call XXXX again. I made corporate claim case with XXXX. Called corporate again at later date and found they had my wrong information and reinstated the claim. I visit the XXXX store location and manager states he tried to find it three times and stated corporate called him once. I believe the cameras can be recalled as this is theft at this point. XXXX on XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida. My PayPal is XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-31
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Chime Financial Inc (MI)

I was in XXXX  and my chime checking account became negative I assume due to fraudulent activity they never told me where or how the card was used. But at the time I didnt have the card because I had been in custody with the department of correction for 7 months. It took me XXXX e-mail and many calls just to find out when the account was closed and the amount. It was XXXX that closed my account. I offered to pay it immediately and they basically ignored the offer and stated I couldnt have another account because of the negative balance. I told them I was in XXXX  and the charge was most likely fraudulent they still have not responded. I honestly dont have time to deal with this given its taken months just to figure out the balance and time it went delinquent.
Consumer complaint received 2024-04-06
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)

After reviewing my credit report I sent a letter requesting Experian to review my accounts and send me a written description of results. Experian replied with accounts verified and or updated. I wrote a second letter requesting description on how accounts were verified. The results were the same, verified or updated with nothing changed on my credit report and NO written description as requested on how the accounts were verified. According to 15 USC 1681i7 Experian has violated my rights on two separate accusations now. I would like these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-02-06
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: Panamerican Consulting (IN)

I contacted Pan Am approximately a year ago. They began withdrawing XXXX XXXX monthly to apply towards my creditors. Since that time I am being sued by several of the creditors involved and they have informed me that they have not received anything from Pan Am. I contacted them after finding out I was being sued XX/XX/scrub>XX/XX/2023. They continued to charge my bank account {$71.00} per month. Since then I have learned that nothing was applies to my accounts. I am now faced with bankruptcy
Consumer complaint received 2023-08-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL (OR)

XX/XX/2015 {$660.00} Considering this debt is due to identity theft I contacted the credit bureau to find this debt on my credit report. I made attempts to contact the company directly and was referred to complete an FTC report citing identity theft.
Consumer complaint received 2023-12-04
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

to start, I received a call from XXXX XXXX ( XXXX ) on my cell phone, given a phone number ( XXXX ) to call with a Document number. I called and was told I was going to be sued and taken to court if I disputed the amount owed ( {$2100.00} as told by them and be charged court fees which would amount to over {$5000.00}. I was given an option to pay in installments and given a monthly amount ( XXXX ) to pay within 12 months. If paid in XXXX lump sum, the price would be cut in half ( {$1000.00} ). I agreed and gave them my information and received by email a form with my credit card information and for me to review and sign for consent. There was no other information on the paper but it said it came from a document control service and dropbox. There was no other information. I received a text from my bank to authorize or not and I decided not to have the payment go through because it was suspicious.
Consumer complaint received 2023-06-16
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: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

The company was asked to investigate and validate the accounts that are being reported to the credit reporting agencies. They failed to do so within the guidelines of the FRCA and FDCPA federal laws. I have been reaching out for months with no to minimal responses that were delayed and avoiding sending any information that has been requested. The information currently listed is inaccurate and has yet to be validated to provide accuracy. It is affecting my overall financial stability due to my credit score showing false reporting. Please see the attachments to this comment.
Consumer complaint received 2023-06-13
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NV)

Despite my multiple efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a profound impact on my life, causing immense stress and anxiety. It is crucial to reiterate that I never authorized any of this information to be associated with my name, as I have fallen victim to identity theft.
Consumer complaint received 2023-10-11
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: NAVY FEDERAL CREDIT UNION (NV)

My credit report is showing late payments to XXXX XXXX  XXXX XXXX XXXX and XXXXXXXX XXXX XXXX XXXXXXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX  customer service representative.
Consumer complaint received 2023-07-05
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: American First Finance, Inc. (MI)

The presence of a derogatory rating on my account is deeply concerning to me. I am worried about the impact it may have on my credit, as it has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the significant financial and emotional distress this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2024-04-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

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 2024-02-06
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: Special Financing Company, LLC (MA)

I am contacting you regarding a series of inquiries on my account that I do not recognize. These unexpected inquiries have prompted concerns about unauthorized access and I require your immediate assistance to investigate and resolve this matter.

Specifically, the inquiries were recorded on the following dates and by the following companies : XXXX XXXX  on XX/XX/XXXX XXXX XXXX on XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX I did not initiate any transactions, account applications, or credit checks that would justify these inquiries. Since noticing these on my account statements, I have reviewed all my recent financial activities and found no correlation with these inquiries.

To address this issue, I have ensured all my security settings are up to date and monitored my account for any additional unusual activity. As of now, there has been no resolution or explanation provided, and I am concerned about the security of my financial information.

Please note, I have omitted personal details from this communication for security reasons. However, I am prepared to supply any necessary information upon request, through a secure channel, to help identify my account and facilitate a swift resolution to this issue.

I expect a prompt investigation into these inquiries, a detailed explanation regarding their origin, and the assurance of the safety of my financial information. Furthermore, I would like to know the measures that will be taken to prevent similar occurrences in the future.

Your prompt attention to this matter is highly appreciated.
Consumer complaint received 2024-04-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

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 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 2024-02-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (FL)

I recently obtained a copy of my credit report, and you are currently reporting the debt to my credit report as allowed under the Fair Debt Collection Practices Act, I am requesting that you allow me to validate the alleged debt. Please provide me with a breakdown of all charges, dates of service, and procedures given including fees associated. 
Additionally, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ), to protect my privacy and medical records from third parties. I did not permit I C SYSTEM and XXXX XXXX XXXX to release my medical information to a third party I am aware that the HIPAA does allow for limited information about me but anything more is only to be revealed with the patient 's authorization, therefore my request is twofold, and as follows. 
Validation of Debt and HIPPA Authorization -Please provide a breakdown of fees including any collection costs and medical charges -Provide a copy of my signature with the provider of service to release my medical information to you -Cease any credit bureau reporting until I have validated the debt Please send this information to my mailing address listed above and accept this letter as a formal debt validation request, which I am allowed under the FDCPA. 
Please note that withholding the information you received from any medical provider to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. 
Additionally, reporting this debt to the credit bureaus before allowing me to validate if it may be a violation of the Fair Credit Reporting Act, can allow me to seek damages from your collection agency. I will await your reply with the above-requested proof. Per the standard you have 30 days to respond to this request, or this debt will be considered invalid and removal from the credit bureau 's expected or damages will be sought after. 
All accounts in dispute are listed below. 

I C SYSTEM ( Reported : XX/XX/XXXX ) XXXX XXXX XXXX ( Reported : XX/XX/XXXX )
Consumer complaint received 2023-10-12
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (GA)

I received this card as a gift. After registering the card, I've tried using it online but the card declines. On XX/XX/2023 I contacted American Express about this and they stated that they " are protecting my funds '' and to " please use at online merchants that require the Card number, expiration and security code ''. This appears to be a common issue with this card but the company will not acknowledge that there is a problem.
Consumer complaint received 2023-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (GA)

I received your response to my initial dispute to what I believe is a stall letter. I am who I say I am and I provided proof of identity with my first dispute letter. I'm resending my dispute along with clear proof that I am who I state I am. My XXXX has not been reporting and you need to updated this.
Consumer complaint received 2023-12-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (KS)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX