davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-26
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. (NC)

The Credit Bureaus stated that my account was properly investigated but how if that possible if the open date is inaccurate, the date last active is inaccurate and date last reported is not accurate. This is grounds for removal and they also violated my rights under : 15 U.S.C 1681 section 602 A. states I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2022-05-26
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. (NC)

The Credit Bureaus stated that my account was properly investigated but how if that possible if the open date is inaccurate, the date last active is inaccurate and date last reported is not accurate. This is grounds for removal and they also violated my rights under 15 U.S.C 1681 section 602 A. states I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2022-05-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

The Credit Bureaus stated that my account was properly investigated but how if that possible if the open date is inaccurate, the date last active is inaccurate and date last reported is not accurate. This is grounds for removal and they also violated my rights under 15 U.S.C 1681 section 602 A. states I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2024-03-12
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: EQUIFAX, INC. (FL)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The XXXX credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX  XXXX.
Consumer complaint received 2022-05-26
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. (TN)

THESE FRAUDULENT ACCOUNTS ARE LISTED ON MY CONSUMER CREDIT REPORT AND I HAVE NEVER OPENED THESE ACCOUNTS. MY INFORMATION WAS USED IN A DATA BREACH BECAUSE I HAVE NO BUSINESS WITH THESE COMPANIES.
Consumer complaint received 2022-05-26
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. (DC)

Experian has removed my credit report from online. When I log on their site it shows a credit report from 2 years ago!!!! They are using this as a tactic so that I am unable to view what's on my credit report this is a violation. As consumer reports are supposed to be made available online and not just by mail. Update my credit report on Experian.com immediately!
Consumer complaint received 2020-02-14
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (MD)

Each attempt to confirm how Caliber Home Loans is posting my monthly payments fails. I have paid all required payments, I have paid added principal, I have paid all late fees, and Caliber Home Loans emailed me a mortgage history that does not account for all of my payments. My monthly payments made via XXXX XXXX XXXX XXXX XXXX cashiers checks have been stolen by the US Post Office, and has been applied, if applied at all to a Caliber Home Loan other than my own. In XX/XX/2019 the US Post office claimed they mailed my cashiers check to the wrong state. XXXX XXXX XXXX XXXX XXXX issued me a replacement check, the lost check was never accounted for. In XX/XX/2019 I mailed a lump sum cashiers check paying three months in advance, I endorsed the back of this Security Plus XXXX XXXX XXXX XXXX check to include my property address. The bank stamped covering over my endorsement. XXXX XXXX XXXX XXXX XXXX accepted this questionable endorsement. Much Much more, will discuss as requested
Consumer complaint received 2020-02-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

I pulled funds from my retirement account in the amount of XXXX. I then deposited that check into 5/3 checking account via their ATM and figured that the funds would be available the next day. I was informed the next day that the funds would not be available until XX/XX/22. Not knowing this I began paying some bills, which put my account into a negative balance and began to receive charges on my account.
Consumer complaint received 2022-05-26
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 Consumer USA Holdings Inc. (IL)

Hello, I refinanced my loan from Santander USA with XXXX  XXXX XXXX. On XX/XX/XXXX my loan with Santander USA was paid off. I have been requesting a release of lien letter from Santander USA since XX/XX/XXXX. Santander USA has hung up on me numerous times, transferred me from titles department to another department who then tries to transfer me back to titles. They have REFUSED to send it to me, told me XXXX XXXX XXXX needs to request it from Santander and that I, the customer, can not request it, etc. My state has a title correction deadline of XX/XX/XXXX and I can not get a simple release of lien letter from Santander USA.
Consumer complaint received 2020-02-14
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. (PA)

I recently received a copy of my credit report and I discovered fraudulent accounts reporting false information on my credit report. My personal information was exposed in recent breaches and made my identity vulnerable. This fraudulent information on my report was a result of identity theft. 

The accounts are : XXXX XXXX XXXX / XXXX XXXX  account # XXXX amount {$510.00} XXXX XXXX XXXX account # XXXX amount {$4100.00} XXXX XXXX account # XXXX amount {$4900.00} XXXX/XXXX  account # XXXX amount {$1600.00} XXXX XXXX   account # XXXX amount {$8400.00}
Consumer complaint received 2022-12-17
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. (IN)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Balance : {$34000.00} XXXXXXXX XXXX XXXXXXXX Balance : {$720.00} XXXX XXXX XXXX XXXX Balance : {$680.00} XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-12-19
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (VA)

End of XXXX of XXXX I went to my bank PNC in XXXX PA. I told them that I was going to be late on my next payment due XX/XX/XXXX. They asked if I ever filed for hardship I said no. He went to look at my account. I had been paying double on my account for years and this was my first late payment. He came back and. Said you dont owe anything youre all paid up. I said are you sure he said yes if you are concerned call us a few days before your due date and check again. I called before my due date and he said yes it says you havent owed a payment for sometime now. So I didnt pay another payment. I started working again and was so busy I never thought to call about the mortgage release. But I didnt pay another payment. I never heard from them again until mid XXXX and they were very quiet. They said your balloon is 90 days past due and I said my mortgage is paid off you told me it was paid off its over 5 years later and I havent made a payment why would you wait this long to call if I owed you anything? I told them to send the papers to Texas where is was currently working. And I waited. They never sent me anything but during that call they asked me when I would be returning home to PA and I told them by the first quarter. Next thing I get is a picture from my friend down the street of my house with a for sale sign in front. I checked the courts in XX/XX/XXXX and they foreclosed on my home while I was away. Thats why they asked how long Id be gone. They stole my house from me with almost 50 years of my belongings inside they didnt even secure my belongings. They told me they threw them all away. They never served me or posted anything on the door, as I had someone going by. They had been sending me XXXX balance statements for those five years. I have not been able to get an attorney to return my calls. Its been a long time that I have been displaced and mourning this entire gut wrenching experience. The contents of my life have been thrown away. Even on the court docs it is obvious that I wasnt served. They didnt even talk to me about it. If I had known how much it was that I owed i could have paid it but they didnt give me that option. I dont know what to do or how to get anyone to help me.
Consumer complaint received 2022-05-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PENTAGON FEDERAL CREDIT UNION (NJ)

Account at Penfed Credit Union.Unauthorized transfers to external accounts that do not exist in my accounts, .5 transfers of {$2500.00}, Total $ XXXX XX/XX/2022 I noticed a transfer of {$2500.00} to " XXXX ''. I immediately called Penfed to inform them this was not done by me, and no such bank is linked to the external accounts that I have provided them with.I provided them with the name of one bank, including routing number, and account number, that I authorize and link to my account.After being informed this was not authorized and does not exist in my list of external accounts, they allowed 4 additional {$2500.00} external transfer 's to XXXX XXXX  Bank. Occurring XXXX XXXX, and 5.Total {$10000.00}. All this after being informed of unauthorized transaction in my checking account. In addition, a loan for {$19000.00} was applied for in my name, it was listed in my saving 's account, and it looks like it was actually approved.Since I have not been asked to pay, nor do I have any paper work on this loan I assume Penfed put a stop to the loan application.Since all this happened, after a month Penfed has only restored {$2500.00} to my account.My account is still short XXXX XXXX.This is entirely their fault, I feel it is totally unfair that after this much time, The missing fund 's have not been restored. Please Help.
Consumer complaint received 2021-12-14
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: EQUIFAX, INC. (FL)

Equifax reporting fraudulent hard inquiries XXXX XXXX XXXX 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 These need to be removed
Consumer complaint received 2021-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Transunion is in violation of the fair credit reporting act 605B. I have requested for them to block the fraudulent items on my credit report. They have failed to do so in a timely manner.
Consumer complaint received 2022-01-04
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: EQUIFAX, INC. (FL)

Equifax erroneously reported to the CFPB under complaint ID : XXXX that " The identification information you provided does not match our records ''. The company is intentionally making it difficult for me to obtain a mailed paper copy of my Equifax credit report for which I am entitled to. Furthermore, attached is a scanned copy of the first two pages of my XXXX credit report, which was mailed to me. The credit report is dated XX/XX/2021. Note, that I made a request at the same time for both my Equifax and XXXX credit report, however ; only Equifax seems to be incompetent. Lastly, I have included a copy of a credit denial letter from XXXX XXXX dated XX/XX/2021, stating a Equifax credit report was utilized in making the credit decision.
Consumer complaint received 2022-10-17
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Mercedes Benz Financial Services (FL)

i purchased a certified XXXX XXXX with XXXX miles, XXXX miles later the engine needed a full replacement. they didn't want to honor the factory warranty which is good until XXXX they claimed the vehicle had been flooded meanwhile it was a mechanical failure. my insurance paid {$20000.00} for the new engine and i paid {$2000.00} deductible. the car never had enough miles for a service appointment. fast forward three months later with a new engine that has 2 years warranty, the car experienced the same issue now with XXXX miles more, still not needing a service appointment because it had not reached enough miles for an oil change. they claimed the same issue once again to not honor the warranty ( s ) neither the factory warranty or the new engine warranty. this time around the cost would be {$14000.00} with a {$2000.00} deductible. my insurance is stating it is a mechanical issue and not flooding, i contacted Mercedes Benz USA to have them buy back the vehicle and they refused not stating a reason why. the car has been in my ownership 7 months and has required over {$36000.00} in repairs not covered by them and the vehicle value is {$52000.00} at this rate i will end up paying for this vehicle twice because it is a LEMON
Consumer complaint received 2022-05-26
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. (PA)

In accordance with the Fair Credit Reporting act XXXX The following accounts : XXXX XXXX XXXX, Date opened XX/XX/XXXX XXXX XXXX XXXX  Date opened XX/XX/XXXX XXXX XXXX  XXXX, Date opened XX/XX/XXXX XXXX XXXX XXXXXXXX, Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX, Opened XX/XX/XXXX XXXX XXXX XXXX Opened XX/XX/XXXX XXXX XXXX XXXX  XXXX, Opened XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX, Opened XX/XX/XXXX has violated my rights .

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AL)

I tried to apply for credit card I keep getting denied credit due they don't have any information correct identity my personal information why is these companies having my personal information incorrect or reporting me deceased illegally to deny me credit I need a full disclosure report Data back XXXX until XXXX I am not deceased I need to know who reported me deceased to uptain credit or using my name to apply for credit I have to right to know who reported me deceased
Consumer complaint received 2022-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

in accordance with the Fair Credit reporting act. The List or accounts below Has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

1 : XXXX, 2 : XXXX XXXX, 3 : XXXX, has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 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 2017-12-30
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: DISCOVER BANK (NJ)

Last year, in XXXX XXXX, I received a phone call that I had not paid my Discover student loans in 3 months and they were raising my interest rate. I received no calls prior, no emails announcing that my auto-payment had stopped. I paid the amount and my interest rate increased. 

Today, XXXX/XXXX/XXXX, I checked my credit score only to find that my student loans were again three months past due, amounting to over {$1000.00}. I was completely unaware that my auto-payments had stopped again ( for the second time ), no phone call, no letter. When I looked at my file, the last letter that was sent, was in XXXX and did not state anything about the auto-payments being stopped. 

As of today, I am {$1400.00} in debt ( 4 months past due ) and I had no idea that my payments were not coming out of my account. Almost all of my bills are on auto-payment, so I do not think twice. 

This has hurt my credit and caused me immense stress and frustration, because I have always wanted to pay my student loans on time. Why is this so hard? Additionally on the XXXX XXXX XXXX website, everytime I try to log in, it has me create a new password. Every single time, this glitch makes it incredibly difficult to casually log on to check account information, causing further frustration.
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I hope this letter finds you well. I am writing to bring to your attention a serious matter that has come to my notice recently. Upon reviewing my credit report, I have discovered several fraudulent inquiries that I did not initiate. These unauthorized inquiries have significantly impacted my credit standing and raise concerns about potential identity theft. I am deeply concerned about the presence of these fraudulent inquiries as they may not only damage my credit score but also indicate possible fraudulent activity on my personal information. I have taken great care to safeguard my sensitive details, and the existence of these inquiries has raised alarm bells regarding the security of my personal data. I would like to emphasize that I did not authorize any entity, individual, or organization to inquire about my credit history. I demand immediate investigation and removal of these unauthorized inquiries from my credit report to rectify this distressing situation. To assist in your investigation, I have enclosed a copy of my credit report, highlighting the suspicious inquiries in question. I urge you to take prompt action to rectify this matter and restore the accuracy of my credit history. Additionally, I request written confirmation once the inquiries have been removed and any corrective action has been taken. Furthermore, I have already taken steps to protect myself from potential identity theft by placing fraud alerts with the three major credit bureaus. However, I am relying on your expertise and assistance in addressing this matter thoroughly and preventing any further damage to my credit reputation. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information on my credit report, and I expect that this right will be fully respected throughout the resolution process. I expect to receive your written response within 30 days of your receipt of this letter, as stipulated by the FCRA. Failure to respond within the stipulated timeframe may result in my escalation of this matter to the appropriate regulatory authorities and legal action if necessary.
Consumer complaint received 2022-05-26
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. (NY)

I signed up on the Transunion application to view my credit report and to my disbelief Ive been impersonated in which someone has opened or attempted to open several accounts in my name without my consent. This is completely illegal, i have reported it to my local precinct however was told i will also need to report it to the FTC and credit bureaus. The following account was not authorized by me and is Fraud, XXXX XXXX XXXX. Ive also never applied for anything as i am new to credit, so the following inquiries are also Fraudulent, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXXL XXXX XXXX Please remove this fraudulent information from my credit report.