davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS (IL)

I've been the victim of identity theft. My likeness has been used to open bank accounts loans, credit cards, and apartment leases. Consequently, I've filed a police report and identity theft report and the accounts are currently involved in litigation. I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. According to my credit report, the accounts are all follows : XXXX  XXXX - OPENED XX/XX/XXXX - AMOUNT XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX - AMOUNT XXXX XXXX XXXX XXXX - OPENED NA - AMOUNT XXXX XXXX XXXX XXXX  - OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - OPENED XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX - OPENED XX/XX/XXXX XXXX AMOUNT XXXX XXXX  XXXX XXXX  - OPENED XX/XX/XXXX - XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX - AMOUNT XXXX XXXX  XXXX - OPENED XX/XX/XXXX - AMOUNT XXXX XXXX XXXX - OPENED XX/XX/XXXX - AMOUNT XXXX XXXX  XXXX XXXX  - OPENED XX/XX/XXXX - AMOUNT XXXX XXXX XXXX - OPENED XXXX - XXXX XXXX - AMOUNT XXXX
Consumer complaint received 2020-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I check my credit report regularly - On XX/XX/2020, my mortgage loan with XXXX is noted on my credit report as payment deferred ; affected by natural or declared disaster. I have never contacted XXXX to advised that I required payment assistance or other noted payment assistance programs that are associated with COVID19 relief. My mortgage is and has been paid as agreed. I contacted XXXX and they said they were unable to assist me because their system shows my account as current.
Consumer complaint received 2020-12-14
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: EQUIFAX, INC. (IL)

ve been contacting the credit bureaus for 9 months via letters mailed in/fax/ and over the phone ; they are returning letters back to me ; refusing to investigate a lot of letters and fax went unacknowledged on letters that were sent certified mail so have confirmation that they have received them however when call rep states no record of receipt. I am fully aware they are backed up and working from home I hear family/pets in background systems go down while on the phone. This is clearly unfair that representatives are able to work from home, not held to office compliance, and refusing to process files that are received. No formal investigation is being engaged ; totally understand that we are in a pandemic however the world doesn't give agencies to be able to disregard work load and properly process files ; no laws have been sat in place to extend/amend investigation process and we are entitled to fair due process and letters to be processed without delay. WILLING TO SUBMITTED ENVELOPES THAT SHOWS " RETURN TO SENDER. INVESTIGATION ARE TAKING LONGER THAN 45 BUSINESS DAYS!!
Consumer complaint received 2024-03-03
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. (CA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2023-06-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CLGF Holdco 1, LLC (NC)

Someone stole my identy and opened this card using my name and social security number. They also used my address and I have received the card but have not activated it. The company will not close the card but have blocked it until I file this report. I never requested or wanted this card.
Consumer complaint received 2022-11-08
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: Experian Information Solutions Inc. (GA)

In accordance with the Fair credit and reporting act this creditor has violated my rights under 15 usc 1681 section 602 states i have the right to privacy. 15 usc 1681 section 604 a section 2 states a consumer reporting agency can not " FURNISH '' an account without my written instructions. Under 15usc 1666b a creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose.
Consumer complaint received 2020-12-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Recovery Services, Inc. (FL)

Southwest Recovery Services at XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX has a collection reported on my credit reports for the amount of {$8200.00}. I never did any business with Southwest Recovery Services. I don't know who this company is. I've never signed a contract with this company for anything. Ive never given permission verbally or in writing to anyone to pass my information to this 3rd party that Ive never heard of.
Consumer complaint received 2020-12-14
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. (AL)

I have disputed this account twice with XX/XX/XXXX and Transunion due to inaccurate and incomplete reporting information. I also requested validation, but did not receive it. There is definite inaccurate information that the representatives over the phone have even stated that they see. However the account is still reporting with inaccurate and incomplete information. The open date is reporting as XX/XX/XXXX. However, the company is reporting the first delinquency in XX/XX/XXXX. How is there a delinquency on the account BEFORE the open date? This is obvious inaccurate information. XX/XX/XXXX and Tranunion have allowed the company, XXXX XXXX XXXX, to verify this information as accurate TWICE. There is also incomplete information. The last payment date is missing. The payment history is incomplete. The past due balance is missing, but the account is reporting as a collection. This is obviously incomplete information. The representatives over the phone with XX/XX/XXXX and Transunion stated that they see the information, but they have to go by what the company reports. This is not true. The credit reporting agencies are responsible for ensuring that accurate and complete information is being reported. Otherwise, a company can report anything to you.
Consumer complaint received 2023-05-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: WELLS FARGO & COMPANY (KY)

There have been unauthorized disclosures of my personal identifying information. 

Wells Fargo, XXXX, XXXX, and XXXX are fraudulently furnishing the information listed below. The information which appears on my credit report does not relate to any transaction ( s ) that I have made. 

This information violates my consumer rights and the FCRA, FDCPA, privacy rule 313, and the GLB Act. I did not authorize, or consent to this information. 

This information was not furnished with my written consent. These companies are coercing me into paying an alleged debt that they failed to provide validation for. 

This is a violation of 15 USC 1692d ( 4 ) and I believe they are blatantly committing racketeering. I have provided an identity theft report listing the accounts that should be blocked and removed. I have also provided opt-out notices from the model disclosures that I found on the CFPB website. 

If the attached opt-out notices provided by the CFPB is not sufficient, please provide me with a reasonable way to opt out of the disclosure of my nonpublic personal information. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act. FCRA Section 603 ( d ) ( 2 ) ( A ) ( iii ) opt-out. If the institution shares personal information pursuant to section 603 ( d ) ( 2 ) ( A ) ( iii ) of the FCRA, it must include in the mail-in opt-out form the following statement : Do not share information about my creditworthiness with your affiliates for their everyday business purposes. FCRA Section 624 opt-out. If the institution incorporates section 624 of the FCRA in accord with paragraph C.2 ( d ) ( 6 ) of these Instructions, it must include in the mail-in opt-out form the following statement : b Do not allow your affiliates to use my personal information to market to me. Nonaffiliate opt-out. If the financial institution shares personal information pursuant to 313.10 ( a ) of this part, it must include in the mail-in opt-out form the following statement : b Do not share my personal information with nonaffiliates to market their products and services to me.
Consumer complaint received 2022-11-08
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 (GA)

Hyundai Motor Finance XXXX. 
I have an original account number with XXXX. 
I have an escalation complaint number with XXXX. 
I paid off the lease, I have a bill of sale dated XX/XX/XXXX. 
XXXX XXXX XXXX XXXX sent me a Colorado title because I leased the vehicle in Colorado. 
The problem is that when I moved to Georgia in XXXX, the XXXX in Georgia did not generate a XXXX request for a state to state title transfer. 
I paid off the lease on XX/XX/XXXX, went into the GA DMV to get the vehicle put into my wife and my names. They realized the mistake they made from 2 years ago and took my original Colorado title and sent it to the state of GA to generate a new GA title. They mailed the original GA title to the XXXX dealership in CO where I leased the vehicle, I had to call the dealership and they agreed to overnight the original GA title to XXXX XXXX XXXX. In XXXX, Texas. XXXX in XXXX TX received the overnight pack on XX/XX/XXXX at XXXX signed for by XXXX XXXX XXXX very detailed instructions to sign XXXX back of the original GA title and mail it back to my home address so I can take the GA title to the GA XXXX XXXX get the vehicle put in my name. 
I have been calling them for 2 months. 
They mailed me a letter of no interest or a lien release for this vehicle dated XX/XX/XXXX stating they have no right, title, or interest in this vehicle. 
I have been calling them for two months trying to get them to fill out and sign the back of the original GA title they have in their possession. 
The case is now in their specialty escalation group but no one will return my phone calls. I have all of my dates, times, and contacts I have spoken to regarding this matter for two months but no one will contact me. They claim that the XXXX TX title department does not have a phone so there is no way to contact them. 
The XXXX now handling my escalated case is XXXX. I left a message for her on XX/XX/XXXX and XXXX but they wont give me her direct line.
Consumer complaint received 2023-05-25
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. (KY)

There have been unauthorized disclosures of my personal identifying information. Equifax, XXXX and XXXX are fraudulently furnishing the information listed below. 

The information which appears on my credit report does not relate to any transaction ( s ) that I have made. 

This information violates my consumer rights and the FCRA, FDCPA, privacy rule 313, and the GLB Act. 

I did not authorize, or consent to this information. 

This information was not furnished with my written consent. These companies are coercing me into paying an alleged debt that they failed to provide validation for. 

This is a violation of 15 USC 1692d ( 4 ) and I believe they are blatantly committing racketeering. I have provided an identity theft report listing the accounts that should be blocked and removed. I have also provided opt-out notices from the model disclosures that I found on the CFPB website. If the attached opt-out notices provided by the CFPB is not sufficient, please provide me with a reasonable way to opt out of the disclosure of my nonpublic personal information. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

FCRA Section 603 ( d ) ( 2 ) ( A ) ( iii ) opt-out. If the institution shares personal information pursuant to section 603 ( d ) ( 2 ) ( A ) ( iii ) of the FCRA, it must include in the mail-in opt-out form the following statement : Do not share information about my creditworthiness with your affiliates for their everyday business purposes. 

FCRA Section 624 opt-out. If the institution incorporates section 624 of the FCRA in accord with paragraph C.2 ( d ) ( 6 ) of these Instructions, it must include in the mail-in opt-out form the following statement : b Do not allow your affiliates to use my personal information to market to me. Nonaffiliate opt-out. If the financial institution shares personal information pursuant to 313.10 ( a ) of this part, it must include in the mail-in opt-out form the following statement : b Do not share my personal information with nonaffiliates to market their products and services to me.
Consumer complaint received 2020-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I pulled my report on XX/XX/XXXX from XX/XX/XXXX. I noticed that my loan with XX/XX/XXXX XXXX was showing seven missed payments from XXXX XXXX XX/XX/XXXX. I did not miss any payments during these times. XX/XX/XXXXXXXX Needs to check all their statements and figure out why they are reporting me late when the payments came out my account before the due date
Consumer complaint received 2020-12-14
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Residential Bancorp (CA)

Myself and wife XXXX children bought house XXXX XXXX we put down {$10000.00} down property was {$220.00} interest rate 4.5 % Realtor didnt disclosed kept cecret forged signatures on our behalf made up email for me had access to password .signature isn't mine I have proof .She possibly got {$15000.00} dollars for first time homebuyers me and wife wearnt aware never knew .House was infested with XXXX, XXXX, XXXX, wasnt never afewmagated  For bugs times got hard she told us she can push our morgage out for year also she stated she can get a modification took her time we decides to move foward she stated if we leave her we would loose our house and it foreclosed XX/XX/XXXX time and money we put in property she told us their was {$20000.00} dollars of equity the sold our loan to another morgage company and it was total disaster never gave us papers when we purchase house its been 5 years we went threw a total distress move out of state I did research kept pressing her about my documents when we purchase house she forward emails that we where never aware of documents that we never signed false info.false contact numbers for us I just hope one day XXXX wood hear my prayers and let their be justice I have enough info to uncover the true colors of how people are so cruel from bankers, realtors, lenders, notary docusign agents from blank papers to documents with papers that I never sign nor my wife afew but with my signature only .The lender and realtor had access to our credit score I have emails notes that stated messages back and forth fake work orders from the realtor supposedly they were gon na fix
Consumer complaint received 2023-06-09
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. (FL)

I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.
Consumer complaint received 2020-12-14
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: EQUIFAX, INC. (MI)

XXXX XXXX claims they have conducted a proper investigation into my dispute concerning a XXXX charge on XX/XX/XXXX XXXX for {$1000.00}. SInce I have also Disputed a 2nd XXXX Charge from XX/XX/XXXX in the amount of {$640.00}, which somehow was placed on my credit card days after I had placed a block on my card. 

Here are my request : The complete unredacted file XXXX XXXX compiled concerning my first dispute. XXXX XXXX MUST provide me with the dates of all contact they made concerning my Dispute of the XXXX charge for {$1000.00}, who they spoke to, the information they used to conclude they would not remove this charge from XXXX. I am also including a recording of the phone call I had with XXXX Representatives when the rental car broke down. If XXXX XXXX did a proper investigation they would have this recording. 

As for the 2nd XXXX charge : I called a XXXX XXXX representative on XX/XX/XXXX to close this credit card, the representative talked me out of closing the card claiming he could place a block so that no more charges would go though. I agreed to the block. Yet incredibly a charge from XXXX for {$640.00} was allowed to go through. How is that possible? 

I believe XXXX XXXX violates the FCBA and the FCRA by not actually conducting proper investigations. As a result XXXX XXXX reported an inaccurate balance to the credit bureaus which actually had my account over the credit limit. My credit score dropped over 20 points and I was denied credit for a XXXX lease on XX/XX/XXXX XXXX. See attached Now I have actual damages and will be included in my lawsuit
Consumer complaint received 2018-01-03
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc. ()

I have transferred XXXX Euros via XXXX from XXXX to coinbase. It happened on XX/XX/XXXX. Its been 24 days and the money is not yet available in coinbase account. 

Raised 3 different cases with Coinbase. Tried contacting them by mail. No progress on it yet. I really need this amount back.
Consumer complaint received 2024-03-03
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'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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2020-12-14
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. (MI)

XXXX XXXX claims they have conducted a proper investigation into my dispute concerning a XXXX charge on XX/XX/XXXX XXXX for {$1000.00}. SInce I have also Disputed a 2nd XXXX Charge from XX/XX/XXXX in the amount of {$640.00}, which somehow was placed on my credit card days after I had placed a block on my card. 

Here are my request : The complete unredacted file XXXX XXXX compiled concerning my first dispute. XXXX XXXX MUST provide me with the dates of all contact they made concerning my Dispute of the XXXX charge for {$1000.00}, who they spoke to, the information they used to conclude they would not remove this charge from XXXX. I am also including a recording of the phone call I had with XXXX Representatives when the rental car broke down. If XXXX XXXX did a proper investigation they would have this recording. 

As for the 2nd XXXX charge : I called a XXXX XXXX representative on XX/XX/XXXX to close this credit card, the representative talked me out of closing the card claiming he could place a block so that no more charges would go though. I agreed to the block. Yet incredibly a charge from XXXX for {$640.00} was allowed to go through. How is that possible? 

I believe XXXX XXXX violates the FCBA and the FCRA by not actually conducting proper investigations. As a result XXXX XXXX reported an inaccurate balance to the credit bureaus which actually had my account over the credit limit. My credit score dropped over 20 points and I was denied credit for a XXXX lease on XX/XX/XXXX XXXX. See attached Now I have actual damages and will be included in my lawsuit
Consumer complaint received 2020-12-14
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC (OR)

I started the process of applying for a refinance on my residence in XX/XX/XXXX. The appraisal was completed and documents submitted within 48 hours after they were requested. The rate lock was through XX/XX/XXXX. The closing on the loan has been delayed several times. The latest delay is with underwriting. 
Ive had contact with the company via email and telephone on the following dates ; XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX. 
Inaccurate Closing Disclosure documents were sent to me and a closing scheduled for XX/XX/XXXX. The closing was cancelled because accurate numbers were not provided. Points and fees were not as agreed to. At that time I discussed increasing the loan to 80 % ltv versus the original 70 % loan. The current delay is with underwriting.