davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (OH)

I sent my letter off on XX/XX/2022. I told the credit bureaus to " investigate every piece of information '' on the accounts I have listed below. Also I have attached the letter I sent out. I have the tracking numbers which are : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. 

according to the FRCA the term " investigate consumer report '' means a consumer or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They stated my accounts were verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % accurate. According to the FRCA 15 USC 1681 everything has to be 100 % accurate. The accounts are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$130.00} XXXX XXXX XXXX {$210.00} XXXX XXXX XXXX {$480.00} XXXX XXXX XXXX {$320.00} XXXX XXXX XXXX {$110.00} XXXX XXXX {$6900.00} XXXX {$8900.00} XXXX {$1600.00}
Consumer complaint received 2022-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (WI)

I consumer XXXX entered into an agreement with XXXX XXXX , in XX/XX/2022 I disputed the fact that I have ever made a late payment, the data mining company Experian is reporting that I have been late which is negatively affecting my score. Experian states " Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ). '' The report does not meet the requirements per 15 U.S. Code 1692 this company is not reporting correctly.
Consumer complaint received 2016-02-03
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (NE)

We have a fairly new lease on a new XXXX vehicle managed by Chrysler Financial. 

There appears to be no way to make a payment to Chrysler Financial without having to pay a XXXX XXXX fee. 

When we learned of the fee for making an electronic payment on the Chrysler website, we decided to add them as a payee on our banking bill pay instead. This way the payment goes straight from our bank to them and we do n't need to use the XXXX XXXX interface web page or services. 

A week or so after our payment was made, we received a bill from XXXX XXXX for a fee ... ..although we did n't even use their services!!!!! 

It seems unfair to force consumers to pay an extra fee just to make our lease payment directly to Chrysler Financial. There appears to be no way to avoid this fee from a 3rd party even though we are not using their service. 

This fee was also NOT disclosed on our leasing documents or during the leasing process. 

if Chrysler decides to use a 3rd party to process their payments, that seems to be their cost of doing business NOT mine.
Consumer complaint received 2022-05-18
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. (AZ)

I have 60 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.
Consumer complaint received 2019-11-23
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC (CA)

I spoke with XXXX XXXX with Loan Depot on XX/XX/2019 to refinance our mortgage. 

I was told we locked a 30year conventional loan at a 3.5 % interest rate with no points or origination fees. 

When the 1st loan estimate came back there was not only a {$1500.00} origination fee there was {$4800.00} in points. 

After contacting XXXX numerous times and several emails he replied by saying he was able to waive the {$4500.00} in points but not the origination fee. We then signed the second loan estimate and necessary paperwork agreeing that there would be no points and they couldnt waive the origination fee. 

I have now received a 3rd loan estimate with {$3900.00} in points plus the {$1500.00} origination fee. 

I left multiple messages with my contacts and also tried to contact their managers.
Consumer complaint received 2022-10-13
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. (VA)

My name 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 accounts. 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 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (FL)

I have submitted a complaint for this issue here once before. Equifax STILL hasnt resolved this issue. Every time my credit is checked from all 3 agencies, it shows as if I initiated a credit freeze with Equifax. I have not then, nor now, initiate any credit freeze of any sort. This has been an ongoing issue. They have effectively screwed me out of a chance for a new car, loans and, or all debt relief/consolidation programs. Equifax is a scourge to the consumer population and are lazy in their ethics. XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-22
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: Experian Information Solutions Inc. (GA)

This is my XXXX request that I have been a victim of identity theft and that no one seems tocare, that I want to dispute specific records in my credit file that do not belong to me, or thatI have signed any agreement. The items I'm challenging have nothing to do with anytransactions I've done or authorized to gain products, services, or money. Please remove thefollowing items : XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX {$1900.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX  ( Original CreditoXXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$2100.00} ; XXXX XXXX XXXX XXXX Balance : {$640.00} XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$760.00} ; XXXX XXXXXXXX XXXX XXXX Balance : {$580.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$540.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX Balance : {$790.00} ; XXXX Balance : {$28.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$130.00} ; XXXX ( OriginalCreditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$2500.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$310.00} ; XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$320.00} ; XXXXXXXX XXXX XXXX XXXX XXXX Creditor : XXXX XXXX ) XXXX Balance : {$180.00} ; XXXX  XXXX Balance : {$760.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$3400.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$57.00} ; XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; SXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

Hi my name is XXXX XXXX. I have never done business with XXXX XXXX XXXX neither am I liable. I do not have a signed contract nor any type of contract withXXXX XXXX XXXX XXXX. I have the right to demand and see the contract between XXXX XXXX XXXX XXXX and myself! Please send the proper validation
Consumer complaint received 2023-04-18
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. (TX)

All of the disputes that were disputed on XX/XX/XXXX still remain. The credit bureau agencies have 30 days to respond and theyre 5 days over. Please correct the items that were disputed on XX/XX/XXXX and remove. thanks XXXX XXXX federal XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX i submitted all identity theft information more than once. My next step is to XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX
Consumer complaint received 2022-05-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Hi my name is XXXX XXXX. I have never done business with XXXX XXXX XXXX neither am I liable. I do not have a signed contract nor any type of contract withXXXX  XXXX XXXX XXXX. I have the right to demand and see the contract between XXXX XXXX XXXX XXXX and myself! Please send the proper validation
Consumer complaint received 2021-12-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waypoint Resource Group, LLC (WA)

To Whom It May Concern : I am writing because XXXX is practicing unlawful practices. I cancelled my service with XXXX in 2019 but they billed me still for one month after for XXXX dollars. They did not try to contact me or take the amount out with the autopay I had set up with them. XXXX send me to collections. I would like them to take me off collections for the debt that I do not own.
Consumer complaint received 2022-10-13
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: Experian Information Solutions Inc. (PA)

FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency
Consumer complaint received 2022-05-18
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: Synovus Bank (PA)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Consumer complaint received 2022-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MS)

XXXX Account Number XXXX XXXX XXXX  Account Number XXXX These accounts are inaccurate due to the facts on the documents that are attached. 

15 U.S.C 1681 section 604 A section 2 : it states a consumer reporting agency can not furnish a account without my written instructions. 

15 U.S.C 1681 section 602 A states I have the rights to privacy.
Consumer complaint received 2023-02-22
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: LCI Acquisition Inc. (CA)

. VERISK/LCI CONSUMER you are the furniture of the public record so you are to comply with Section 623 of the Fair Credit Reporting Act because the U.S. Bankruptcy Court is not the furniture of this information, The Court did not furniture this public record to my consumer file, LCI purchased that information then put it on my consumer report through their Affiliates. So the DUTY of the furniture of information is to provide accurate information. Accurate means accurate, complete and verifiable. Prohibition reporting information with the actual knowledge of error. Since Verisk/LCI is the furniture LCI shall not report to any CRA if they know or have reasonable cause to believe that the information is inaccurate. Reporting information after NOTICE and confirmation of ERROR, LCI shall not furnish information related to a consumer to any CRA or TRANSUNION if LCI has been notified by the consumer that they are specified about such notices which is LCI address for disputes of that specific information which I was very specific of the inaccurate information and in fact the information is inaccurate, incomplete and unverified
Consumer complaint received 2021-07-24
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. (MA)

This issue has been making life very difficult. I can not begin to tell you how many times I have submitted proof of innacurate reporting from XXXX. Back in XXXX this account was supposed to be closed and removed from my account and for the past couple of months I have been doing nothing but providing proof of this. Today I checked my credit report and it showed that my credit report has gone down XXXX points due to this account. I have already put in an offer for my house which was accepted, and this on my account is the worst thing that could happen. This account is closed, so why would my credit score go down because of a missed payment? If you check your records, you will see that I have shown proof that this account should no longer be on my report.
Consumer complaint received 2019-11-23
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: TD BANK US HOLDING COMPANY (TN)

Nordstrom offered A {$60.00} CREDIT IF YOU WERE APPROVED, I WAS AND CHARGED SOMETHING ON THAT APPROVED CARD THE DAY YOU WERE APPROVED. 
I SPOKE TO XXXX FROM TDBANK AFTER TRYING TO DO THE EXACT OFFER ON A XXXX XXXX {$140.00} XXXX XXXX AND SHE SAID THAT I WAS NOT APPROVED BECAUSE 2 PEOPLE WERE USING MY SS NUMBER, I SAID LIKELY MY MARRIED NAME, XXXX AGREED BUT STILL DENIED THE OFFER OF {$60.00} CREDIT ON ORDER I HAVE XXXX XXXX. NO ONE ELSE IS USING MY SS #. XXXX LIED TO ME TO NOT GIVE ME THE {$60.00} CREDIT
Consumer complaint received 2023-07-22
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: GATEWAY FIRST BANK (LA)

On XX/XX/2022, In accordance with the fair credit reporting act, this creditor Gateway Mortgage has violated my rights. Under 15 U.S. Code 1681 section 602 states, I have a right to privacy. Under 15 U.S. Code 1681 section 604A Section 2, it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S. Code 1666B, A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-04-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Upon reviewing my credit file, incorrect information were found in my reports. The TransUnionXXXX Credit Bureaus has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the Inquiries that are reporting on my Credit Reports : 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 TRANSUNION 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 2022-10-13
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. (SC)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2018-09-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: PNC Bank N.A. (OH)

First of all I will admit I overdrew my checking account because of an emergency XX/XX/2018. It was my payday and that morning I withdrew XXXX dollars from the atm on the corner of XXXX XXXX   and XXXX XXXX XXXX in XXXX  ohio. I had to automatic payents for XXXX and XXXX dollars and than I made a purchase at XXXX  and for XXXX dollars and a purchase of XXXX at XXXX XXXX. this was all done before XXXX XXXX. Later on that day I made a purchase for XXXX at XXXX  due to an emergency which I admit overdrew my account by about XXXX. The emergency XXXX purchase was the last time I used my account. I checked my account the morning of XXXX  XX/XX/2018 and I had four overdraft charges and the XXXX dollar transaction was still pending. I immediately called pnc to file a complaint about this. On XX/XX/2018 the transaction for XXXX that caused the XXXX overdraft cleared and I was charged another overdraft fee. So one XXXX dollar overdraft has now cost me five XXXX dollar overdraft fees totaling XXXX dollars and one continuous overdraft fee of XXXX dollars for a total of XXXX   dollars in fees and counting. On XXXX XX/XX/2018 I received a call from XXXX XXXX which I missed who is from pnc 's fee escalation center, yes they have a special department to deal with their escessive fees. I called the number and was connected to mr.XXXX XXXX and when I asked for XXXX  he said she was not available and he would be able to assist me. I explained the problem to him and he informed me the the fees where charged correctly and what had happened is that they had spread the overdraft out over FOUR TRANSACTIONS TO COVER IT. I said that is not how banking works in this country and informed him that I would be filing a complaint with the cfpb.
Consumer complaint received 2022-04-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. 

Date : XX/XX/XXXX Furnisher : XXXX XXXX XXXX  Date : XX/XX/XXXX Furnisher : XXXX XXXX XXXX  Date : XX/XX/XXXX Furnisher : XXXX Date : XX/XX/XXXX Furnisher : XXXX XXXX Date : XX/XX/XXXX Furnisher : XXXX  XXXX XXXX XXXX # XXXX Date : XX/XX/XXXX Furnisher : XXXX XXXX  Date : XX/XX/XXXX Furnisher : XXXX XXXX XXXX Date : XX/XX/XXXX Furnisher : XXXX XXXX XXXX Date : XX/XX/XXXX Furnisher : XXXX XXXX XXXX  Services Date : XX/XX/XXXX Furnisher : XXXX XXXX Date : XX/XX/XXXX Furnisher : XXXX XXXX Date : XX/XX/XXXX Furnisher : XXXX XXXX XXXX XXXX XXXX. 
Date : XX/XX/XXXX XXXX : XXXX XXXX XXXX. 
Date : XX/XX/XXXX Furnisher : XXXX XXXX XXXX Date : XX/XX/XXXX Furnisher : XXXX XXXX XXXX Date : XX/XX/XXXX Furnisher : XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX Furnisher : XXXX XXXXXXXX XXXX Date : XX/XX/XXXX Furnisher : XXXX XXXX XXXX Date : XX/XX/XXXX Furnisher : XXXX XXXX XXXX
Consumer complaint received 2019-11-23
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. (FL)

I am trying to apply for a mortgage loan but my mortgage broker can't reach to my EXPERIAN credit score or report. I have tried to reach the company several times over the phone, internet and mail, but i got no response. I wasn't able to solve this issue for months.