davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-31
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. (PA)

I submitted disputes and an FTC report for fraudulent accounts and hard inquiries. 

XXXX  - XXXX  {$1600.00} XXXX XXXX XXXX XXXX {$710.00} XXXX XXXX {$7900.00} XXXX XXXX XXXX {$3900.00} Transunion - XXXX  {$1600.00} XXXX XXXX {$670.00} XXXX  - XXXX XXXX {$36.00}
Consumer complaint received 2024-04-07
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: HYUNDAI CAPITAL AMERICA (FL)

Kia Finance America XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX I have reached out to Kia finance America , several times that Im refusing to pay the debt because of an accurate information and Kia financial and I want to cease communications. I made this very clear it keep showing on my consumer report.

15 usc 1692c ( c )
Consumer complaint received 2022-12-23
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Paramount GR Holdings, LLC (CO)

I have discussed the situation where I am trying to pay extra to apply to the principal each month. I was told by more than one person that my payments where to be applied to the principal but have only been applied to interest. The auto payments do not allow extra payments also. It seems purposeful to me and after had experienced several phone calls including one where they submitted the payment I do not think this situation will be resolved. It seems like a scam to me to get me to pay more on my mortgage.
Consumer complaint received 2021-08-31
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. (IN)

Currently there is a closed account reporting on my credit file with XXXX XXXX XXXX partial account number XXXX, I have requested documentation from this company and they have failed to reply. They have negative remarks on the account and i do not recall even having the accounts or being late.
Consumer complaint received 2021-08-31
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. (MD)

I submitted disputes and FTC reports for these fraudulent accounts. They have not been deleted. 

Experian - XXXX XXXX XXXX {$690.00} XXXX XXXX XXXX {$1400.00} XXXX  - XXXX XXXX XXXX {$690.00} XXXX XXXX  {$560.00}
Consumer complaint received 2021-08-31
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. (TX)

Explanation of item being disputed : XXXX XXXX XXXX has reported incorrect information on my credit report. XXXX XXXX XXXX has listed that I am Derogatory as of XX/XX/XXXX on XXXX  YET Experian and XXXX  both show paid and current but have different close dates and years, as seen above. XXXX XXXX also failed to delete this file from my repost as agreed upon in XXXX. Being that this information provided by XXXX XXXX is inaccurate I want to request that this file be deleted for my report.
Consumer complaint received 2022-10-10
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: EQUIFAX, INC. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of account/item which do not belong to me or were opened without my permission. 

XXXX XXXX Date Opened : XX/XX/2018 Balance : {$9200.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Consumer complaint received 2024-04-03
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Carvana Group, LLC (CT)

" I bought a car from Carvana in XXXX of this year based on their word. However, the car was delivered in poor condition and has been to the repair shop XXXX times since. The warranty company has refused to cover the repairs and keeps asking for videos and other things to delay the process. They are not fixing the repairs promptly. The car is not safe to drive and has several issues that were not described at the time of purchase. Since I have only had the car for XXXX months, I would like to return it for a full refund. ''
Consumer complaint received 2024-04-03
Product: Credit reporting 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: FC HoldCo LLC (TX)

Llevo meses pidiendo de favor a esta empresa sobre mi reporte de bur de crdito. La empresa estableci que en enero quedara resuelto el problema, despus me dijeron en febrero y por ltimo en marzo . Me siento estafado porque no han reportado nada al bur de crdito.es una empresa que juega con las personas y eso no es correcto.lo peor es que no resuelven el problema o se comunican conmigo.
Consumer complaint received 2021-08-31
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

I received two separate calls from Fifth Third Bank on XX/XX/XXXX about a missed payment on my Equity Line of Credit account. I made the payment on XX/XX/XXXX using their online bill payment system. The payment was due XX/XX/XXXX. The bank was unable to confirm this but was able to take my payment during the course of the first call. Several hours later, I received another call asking to collect the debt again. The employees refused to provide any unique identifying information, and failed to disclose that the call was an attempt to collect a debt. They also refused to provide the NMLS number for Fifth Third Bank or themselves when requested. The first caller only identified themselves as XXXX. The second said his name was XXXX. This predatory collections activity is surprising to me from such a well-known institution.
Consumer complaint received 2022-10-09
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Conduent Incorporated (GA)

Case # XXXX - Submitted to the CFPB on XX/XX/2022 I complained about not receiving my funds it has been over a year since Way2Go has received notice of my lost/stolen debit card and they still have not refunded my money. 

Company 's Response XXXX was able to reach the cardholder by phone and discuss the issues that he had about not receiving his refund back, I told him it was because there was no dispute opened, and he stated that he was only able to close out the card and the order a new one but he did not have an option to report the transactions as fraud for over a year. I asked the cardholder if there was more than one transaction that needed to be disputed and there was he stated that he never received the card at all. A dispute was opened for the cardholder and I advised that he would receive paperwork in the mail but he did not have to wait for it to come if he wanted to he can submit a handwritten letter and send it to me via email and I can attach it to the dispute for him, he stated he did not see why he needed to send in another statement when there was on the complaint. I let him know that I can use his statement on the complaint as his official statement for the dispute. I advised the cardholder that I would be working on the dispute personally and that if have any questions I would reach out to him and I would also reach out and let him know the final decision of the dispute. The cardholder 's phone is currently disconnected, I received two emails from the cardholder asking for an update on the dispute however when I replied to the email it came back as undeliverable. The dispute is currently being worked on a meeting has been set to review this dispute before a final decision will be made.
Consumer complaint received 2019-07-16
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. (GA)

Equifax had both my first and last name is misspelled in their records.. I submitted a correction to them and they opened a " Dispute ''. They continually send me emails telling me that they have completed my dispute and inviting me to see the result. When I try to see the result on line, their log in and verification process is so cumbersome that I can not access the report. when I call their customer service line, they send me to a third party representative in the XXXX. When I ask to speak to an American customer service agent they eventually ( after arguing with me ) send me to a surely XXXX who gives me a hard time and then hangs up on me.
Consumer complaint received 2022-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL (SC)

On XXXX XXXX, 2022, I request that my information be checked because of some suspicious activities. I reported this information to Synchrony Bank for my Lowes XXXX card, Discount tire and Rooms to go. Someone has committed fraud on my account. Using the consumers to create and purchase item under my name.
Consumer complaint received 2021-08-31
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GreenSky, LLC (CT)

on XX/XX/2021 XXXX XXXX XXXX of XXXX, CT came to my home to fix a clogged basement drain They stated that the problem was a collasped sewer line and the bill would be between XXXX and XXXX but the price soared to XXXX most because of unnessary work. I was never given a oppurtunity to get a another estimate, for as XXXX was telling me thwe problem as the electric company arrived to draw the dig lines. I was advised that XXXX XXXX XXXX would apply for credit for me. On XX/XX/2021 I was confronted by the tech on the job that I needed to handle the bill I advised him that XXXX was suppose to handle it. He did not move his vehicle so I could go to work. On XXXX XXXX after the work was completed the same tech called me at XXXX to say he was outside and would stay til I dealt with the final payment. he came in and called Greensky of XXXX GA and opened an account for 28.99 % XX/XX/2021 I received a letter from XXXX XXXX XXXX. I had no idea about this account or what is charged on it As of this time I have neither seen a bill or any account what so ever from XXXX XXXX plumbing. I have no idea how many accounts have been opened by XXXX XXXX plumbing. I believe that XXXX XXXX XXXX engaged with both XXXX and GreenSky in a scheme of predator lending.
Consumer complaint received 2021-08-31
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. (TX)

Explanation of item being disputed : XXXX XXXX XXXX has reported incorrect information on my credit report. XXXX XXXX XXXX has listed that I am Derogatory as of XX/XX/XXXX on XXXX  YET XXXX  and Transunion both show paid and current but have different close dates and years, as seen above. XXXX XXXX also failed to delete this file from my repost as agreed upon in XXXX. Being that this information provided by XXXX XXXX is inaccurate I want to request that this file be deleted for my report.
Consumer complaint received 2021-08-31
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Southern Management Systems Inc. (GA)

Hello, Thank you for all that you do. 

This contact is in regards to my communications with " Southern Management Systems Incorporated ''. Upon contacting the company I was treated very discriminatingly after explaining I am an XXXX with the XXXX XXXX and verbatim the lady said " well good for you '' /etc. This occurred on XXXX. XXXX, 2021 at XXXXEST. 

Please feel comfortable contacting me via email/voice/text/etc. 

Happy Tuesday, XXXX XXXX
Consumer complaint received 2021-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I reached out to each of the credit bureau 's on XX/XX/2021 to notify them that my personal information is inaccurate due to identity theft and as of today XX/XX/2021 the inaccurate information is still reporting on my credit and I am concerned that additional damage may be done if this is not corrected immediately. Please see attached identity theft affidavit and letters sent to the credit bureau 's.
Consumer complaint received 2021-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

My request for the correction and removable of the erroneous information about my inquiry has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the inquiry that is still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX-Date of inquiry XX/XX/XXXX
Consumer complaint received 2023-07-21
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. (NC)

I would like to state that Equifax, XXXX XXXX XXXX are in violation of 15 USC 1681 ( a ) ( 2 ) which states that a consumer reporting agency may furnish a comsumer report in accordance with the written instructions of the consumer. I the consumer never gave Equifax written consent to report anything on my consumer report. No consent is identity theft. I demand that you remove these inaccuracies off my consumer report immediately. If they are not removed I will not extend my credit to anyone or allow these companies to furnish a report for me. I would like to state pursuant to 15 USC 1681 ( a ) ( 1 ) that the banking system is dependent upon fair and accurate consumer reporting. By allowing these inaccuracies to be furnished on my consumer report, it may cause me to lose confidence in the banking system. If the credit reporting agencies want to continue to do business with me, they should delete these inaccuracies off my consumer report. XXXX XXXX XXXX XXXXXXXX XXXXXXXX balance {$390.00} XXXX XXXX  - no balance XXXX XXXX XXXX XXXX {$350.00} & {$1400.00} XXXX XXXXXXXX XXXX hard inquiries including XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX collections from XXXXXXXX XXXX XXXX - i also requested for ALL addresses, phone numbers and employment to be removed and my request was denied, the supervisor stated that these accounts were mine and they would not be removed which is in full violation of my consumer rights and I plan on getting remedy
Consumer complaint received 2021-08-31
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. (NJ)

I'm filing a complaint against the credit bureaus because on XX/XX/2021 I sent them letters about accounts on my credit that are wrong and this companies havent updated my reports. I am in the process of trying to get a loan for a house and the fact that they have not responded to me is unacceptable and definately violates my rights a consumer. I am promised a response in 30 days and it has been well over that. At this point I demand the items I am disputed be removed. I know this companies like to use stall tactics because I have made complaints before but I am the only person that is fighting the wrong things on my report and nobody else. I will attach the letters I sent.
Consumer complaint received 2021-08-31
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. (WA)

Companies have exceeded the maximum allowable days of investigation and have not given verifiable evidence of the accuracy reporting on of credit report. Also they didnt have permissible purpose to furnish this information on my consumer report ; and violation of FCRA 15 U.S. Code 1681i Procedure in case of disputed accuracy ;
Consumer complaint received 2021-09-01
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: WAKEFIELD & ASSOCIATES, INC. (TN)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX ... WAKEFIELD & ASSOCIATES ( Original Creditor : XXXX  XXXX XXXX XXXX XXXX ) XXXX ... XXXX XXXX ... that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2021-08-31
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. (WA)

Companies have exceeded the maximum allowable days of investigation and have not given verifiable evidence of the accuracy reporting on of credit report. Also they didnt have permissible purpose to furnish this information on my consumer report ; and violation of FCRA 15 U.S. Code 1681i Procedure in case of disputed accuracy ;
Consumer complaint received 2021-08-31
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: BARCLAYS BANK DELAWARE (TX)

I have filled a dispute in regards to the incorrect information on my credit report. It has been well over 30 days and I haven't received any investigation results.
Consumer complaint received 2021-08-31
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: CBC Companies, Inc. (RI)

Hard inquiry on my credit file on XX/XX/24 by Factual Data XXXX on behalf of XXXX XXXX. I did not apply for a mortgage or a loan and did not authorize this inquiry. I have locked my credit file, placed a fraud alert with credit reporting agencies, disputed the inquiry with the credit reporting agencies, and have contacted Factual Data to alert them that I am not applying for a loan and I'm concerned this is fraud/identify theft.
Consumer complaint received 2021-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (IL)

In XXXX of 2020. Discover bank reported an inaccurate missed payment to XXXX, XXXX, and XXXX. This is inaccurate information. I have never missed a payment and there is proof in my credit report.
Consumer complaint received 2021-08-31
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: CCS Financial Services, Inc. (WA)

Companies have exceeded the maximum allowable days of investigation and have not given verifiable evidence of the accuracy reporting on of credit report. Also they didnt have permissible purpose to furnish this information on my consumer report ; and violation of FCRA 15 U.S. Code 1681i Procedure in case of disputed accuracy ;
Consumer complaint received 2021-08-31
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: CrossCountry Mortgage LLC (PA)

Got a VA loan in XX/XX/2021 with a payment of {$2200.00} now the mortgage company is changing to {$2400.00} due to a shortage in the escrow. I feel that we were enticed to a loan with a lower payment.
Consumer complaint received 2021-08-31
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. (NJ)

On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC 1666 ( b ) and FCRA 15 USC 1681 ( a ) ( 4 ). Truth and lending act and the latter is right to privacy. I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.