davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-24
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: OPORTUN FINANCIAL CORPORATION (CA)

There 's a few credit inquiries that do n't recognize.. starting with the most recent one. 
On XXXX XXXX 2017 XXXX Creditor contact details : XXXX XXXX XXXX XXXX, DE XXXX XXXX Inquiry from XXXX XXXX, 2017 Creditor contact details XXXX/XXXX  XXXX, MD XXXX XXXX/XXXX Inquiry from XXXX XXXX, 2017
Consumer complaint received 2022-10-08
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-11-04
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Block, Inc. (CA)

I made a cashapp transaction dispute because there was a unauthorized cashout transaction and I made the dispute the same day the agent replied saying we provided you with a permanent provisional credit to my cashapp account XXXX  XXXX and when I clicked approve it said it was cancelled because of my protection and the claim was ended I couldnt reach her again to resend it to me the payment Im very disappointed and need the money resent to my account or added because the agent confimered it should be on my account and there was an issue adding it Im the parent of the account and this is very confusing and need this issue resolved and need my funds back
Consumer complaint received 2022-10-08
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TN)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-01-29
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LoanCare, LLC (WA)

I requested to cancel my forbearance on XX/XX/2021. Loancare confirmed they received my request via email. On that email it indicates I will receive an email within 5 business days for my recorsds. It has been 5 months now of calling loancare and requesting a letter of termination for my forbearance. I have spoken with 10 representatives and 2 managers who refuse to send this information. I paid my missed mortgage payments in full in XXXX when i requested to be off forbearance. The refinancing of my home is in jeopardy as LOANCARE refuses to provide the necessary information for refinancing.
Consumer complaint received 2022-08-18
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (UT)

I had fraud on my Equifax report from XXXX XXXX XXXX and it dropped my score by XXXX points but after it was reported and they removed it my score only went up XXXX points instead of regaining the XXXX back that's not right and is wrong.
Consumer complaint received 2022-01-29
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (MI)

I was being harassed and had called to be taken off the call list. After expressing that I did not wish to apply and that I was XXXX and it was too high stress the lender coerced me into giving out personal information and allowing a hard credit pull. I asked it be removed because I was coerced and it felt wrong and I had never been given information or anything and was told nothing was done incorrectly and that I had allowed it after several no 's so it's okay. This type of behavior is incredibly predatory. I had simply requested the credit pull be removed as a result of the lenders behavior.
Consumer complaint received 2022-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (CA)

On XX/XX/XXXX, I sent out certified mail letters to each Credit Reporting Agencies regarding the inaccurate and incomplete accounts on my consumer report. I have received responses from each of them stating that they have completed the investigation and verified everything as accurate. 

1. The creditor never sent me a post-repossession notice which was supposed to provide me with the amount due, where to pay, and where to get my vehicle back. I was told that I have no right to reinstate which is a violation of state law. 
XXXX XXXXXXXX XXXX Account Number : XXXX If you can not prove that this account is being reported accurately, then delete it 2. I am disputing this account for inaccurate information because this account has been re-aged. 
You are reporting the date of last activity as XX/XX/XXXX while XXXX is reporting XX/XX/XXXX. 
This is a clear 2-year difference. This is a violation in reporting need I remind you this falsely manipulates the statutes of limitation on when this account is supposed to fall off. 
XXXX Account Number : XXXX Please Submit onto XXXX form and please Delete under section 1681s ( 2 ) ( b ) They have failed to perform a proper investigation pursuant to 15 USC 1681 ( a ) ( 1 ) ( 5 ).

I am now requesting the description of the re-investigation procedure pursuant to 15 usc 1687i ( 7 ). They have 15 days to respond to the description or else the above-listed accounts need to be removed from my consumer report. Please delete these items from my consumer report.
Consumer complaint received 2022-01-29
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. (TX)

This complaint is regarding the XXXX XXXX XXXX Account number XXXX opened XX/XX/XXXX is factually incorrect. 

The vehicle regarding this auto loan was repossessed XXXX of XXXX and resold at an auction leaving a deficiency balance. The account that you are reporting is identified as a repossession. Yet you continue to report late payments. Since the vehicle is no longer in my possession, it would be impossible for me to default on the payments after the fact. I have the right to an accurate credit file. And discrepancies like this are unacceptable. So please immediately remove this account and its entirety from my credit file. 
A monthly should not exist after a repossession has occur.
Consumer complaint received 2022-01-29
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. (TX)

This complaint is regarding the XXXX XXXX XXXX Account number XXXX opened XX/XX/XXXX is factually incorrect. 

The vehicle regarding this auto loan was repossessed XXXX of XXXX and resold at an auction leaving a deficiency balance. The account that you are reporting is identified as a repossession. Yet you continue to report late payments. Since the vehicle is no longer in my possession, it would be impossible for me to default on the payments after the fact. I have the right to an accurate credit file. And discrepancies like this are unacceptable. So please immediately remove this account and its entirety from my credit file. 
A monthly should not exist after a repossession has occur.
Consumer complaint received 2021-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FIRSTBANK PUERTO RICO (OH)

I am writing to dispute the following information that appears on my [ XXXX, XXXX, or XXXX ] consumer report : XXXX XXXX SS. XXXX DL XXXX After recently reviewing my credit report I notice several inconsistencies regarding the account ( First Bank PR XXXX ) in the ( Balance ). It is your duty to ensure that all information reported is consistent a most importantly accurate and credit report agency failed to do so. I request DELETE this erroneous item immediately. That affect my credit am my self with out reason. Also am try to get my sold letter with my lender until XX/XX/2021 and they bring excuses still work in it. 

Dispute Account for Lenders or Institutions ( Inaccurate Reported ) - First Bank PR XXXX For the Following Reasons : Balance of {$4000.00} is Inaccurate Reported Paid as agreed on XX/XX/2021 Balance must be in XXXX account paid Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2019-05-10
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: Westlake Services, LLC (OH)

I contacted Westlake Financial Services regarding an old auto loan that I paid off back in XX/XX/XXXX. While reviewing my credit score, I noticed Westlake Financial Services noted the account was paid, charged off. I contacted them to correct this as well as the times they reported to the credit bureaus that my payments were not made and explained that those dates reported were payments made on time and I was allowed to make payment arrangements later in the loan 's life. I was told to file a dispute. 

I filed several disputes with XXXX ( both online and over the phone ) regarding both the charge off as well as disputing that the payments were late. I attached a payment history I received directly from Westlake Financial Services as well as a letter disputing the information reported. XXXX not only did not correct anything on my dispute, they also changed the charge off date from XX/XX/XXXX to XX/XX/XXXX. XXXX said the only thing I could do was keep filing disputes. 

I contacted Westlake Financial Services regarding the change. I was told that the reason the charge off date was changed was because I filed a dispute and that they wouldn't correct the information. 

I already have an open complaint against XXXX for failing to investigate this properly especially with them allowing Westlake Financial Services to change the charge off date by 5 years. I would like to file a complaint against Westlake Financial Services as well.
Consumer complaint received 2019-07-30
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. (NV)

Transunion, enclosed is a copy of letter I received. And attached to this complaint you will find necessary supporting documents. As well as a Police Report for Identity theft. I am requesting again for you to remove the inquiries and accounts as a result of Idenitity theft. These inquiries and accounts were all done without my consent or knowledge. Please remove ASAP. 
INQUIRIES : : : : : XXXX XXXX XXXX XXXX x 2 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Accounts : : : : XXXX XXXX XXXX XXXX. 
XXXX New Mexico
Consumer complaint received 2022-01-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I have been disputing fraudulent accounts for over a year, submitted police reports, I.D, mortgage insurance, etc. I have submitted this information online, mail, and over the phone. I have received mail from collectors that these accounts were sold and submitted the same documents to them, I have replies back from them as well. Transunion and XXXX are reporting CO ( charge off ) repeatedly monthly and that is against the law. I received paperwork from XXXX that my social is used with another individual and I also submitted that to the Bureaus, I have been repeatedly told that they use what the consumer sends them and thats what they go by, I asked for proof that was used that these accounts are mines and was told that I need to call the creditor. I have been lied to different occasions about about these accounts. They are not reporting on a 3 credit bureaus. I have inaccuracies all on my credit with open/close dates, account numbers, status of accounts, and accounts that I have disputed that has been on my report over 7 years, they still wont remove them. I have been resubmitting disputes monthly after over a year. I have all the documents and paperwork and that is needed for my case. I had a fraudulent account removed and replaced because they consumer came back and said same name, same date of birth, thats not proof of an account. I then received an email for a dispute that I canceled the dispute and I never did that. I mailed 3 letters to all 3 bureaus at the same time and Transunion the only ones that said they didnt have it. I have been a victim of fraud since XXXX, they told me my police report expired and that I needed a new one, then I went and got one, XX/XX/XXXX, submitted it to them along with supporting documents and they are not acknowledging anything. I have submitted debt validation letters no response. I have received modified alerts because I had supported documents and they continue to update it. As of today XX/XX/XXXX I have not received any debt validation response from XXXX or Transunion. I have no other reasoning why they are continuous reporting Charge off on a fraudulent closed account, reporting to 1 or 2 bureaus, different open/closed accounts that are sold, no debt validation proven to date when you have proof that it is me. When I had to remove a suffix off my report because they had me as a ( XXXX ) and a male.
Consumer complaint received 2022-01-29
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. (CA)

Greetings, Ive been trying to reach the different Bureaus by letter letting them know wich information its incorrect on my Credit report since a few months ago, I havent receive an answer, and at this point I just feel they are not going to cooperate with me, As I understand the Law says they are suppose to answer me and I feel they are preventing me from my right to know of what is going on with my credit report.
Consumer complaint received 2022-01-29
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. (CA)

Greetings, Ive been trying to reach the different Bureaus by letter letting them know wich information its incorrect on my Credit report since a few months ago, I havent receive an answer, and at this point I just feel they are not going to cooperate with me, As I understand the Law says they are suppose to answer me and I feel they are preventing me from my right to know of what is going on with my credit report.
Consumer complaint received 2022-12-05
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. (TX)

Ive paid the agree amounts to discharge the student loan debt but company refuses to up hold the agreement arrangement. It was paid and removed only to return as a paid/closed and sold the paid account to XXXX.
Consumer complaint received 2022-01-29
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. (TX)

I, XXXX XXXX, am filing this complaint on my own, with no help from anyone else. My FTC Identity Theft Report and detailed complaint are attached. This notice and compliance are fully authorized by me. My identity theft affidavit has also been mailed to all relevant CRAs. 

I have never approved or given specific written authorization to any 3rd party affiliate CRA to share my data with the following firms ; please be advised that without my consent, you are committing identity theft, and you have no legal basis to do so under 15 USC 1681 : -XXXX XXXX XX/XX/XXXX - XXXX XXXX opened : XX/XX/XXXX - XXXX XXXX opened : XX/XX/XXXX - XXXX XXXX opened : XX/XX/XXXX -XX/XX/XXXXopened : XX/XX/XXXX -XX/XX/XXXXXX/XX/XXXX opened : XX/XX/XXXXXX/XX/XXXXXXXX XXXX opened : XX/XX/XXXX XXXX XX/XX/XXXX opened : XX/XX/XXXX
Consumer complaint received 2016-07-05
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A. (AL)

I 've been a Citi credit card member for years. In XXXX 2016, I was late for my payment ( due on XXXX XXXX ) because I thought I already scheduled a payment but actually I did n't. When I realized it, I paid all my balance on XXXX XXXX. Since this is the first time I was late for my payment, I was hoping Citi can waive the late payment fee as a goodwill to a customer who is always making payment on time for years. I called the customer service and was told they can issue a credit for the late payment fee after the payment is posted. But when I called them again, XXXX days after the payment posted, I was told they ca n't have the late payment fee waived or credited.
Consumer complaint received 2022-12-05
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. (TX)

XXXX XXXX XXXX XXXX acct # XXXX ( {$2500.00} ) XXXX XXXX XXXX acct # XXXX ( {$6000.00} ) XXXX XXXX XXXX acct # XXXX ( {$25000.00} ) XXXX XXXX XXXX XXXX acct # XXXX ( {$3000.00} ) XXXX XXXX XXXX XXXX acct # XXXX ( {$240.00} ) XXXX XXXX acct # XXXX ( {$300.00} ) XXXX XXXX acct # XXXX ( XXXX ) XXXX XXXX XXXX acct # XXXX {$860.00} XXXX XXXX XXXX  XXXX acct # XXXX ( {$530.00} ) XXXX  XXXX XXXX acct # XXXX ( {$470.00} ) The above account were created without my knowledge
Consumer complaint received 2022-08-18
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. (FL)

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific account in my document coming about because of the wrongdoing. The account I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX Balance : {$460.00}
Consumer complaint received 2022-01-29
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Advertising — Confusing or misleading advertising about the card
Company: Neon Newco Corporation (CO)

Unrequested XXXX " Direct Deposit, pre-paid XXXX '' phishing scam from " Brinks Money '' asserting I have an account at XXXXXXXX XXXX XXXX  XXXXXXXX XXXX  Problem is, XXXX 's information indicates they don't service our zip code... meanwhile, Brinks requests all sorts of info : SSN, DOB, address, etc.
Consumer complaint received 2019-10-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I made a {$3000.00} check deposit using my mobile app. At 1st it was indicated that the funds would be available for payments next business day then cash withdrawal 2nd business day. Then I  notification that hold had been placed on the deposit until XX/XX/XXXX which is a 10 day hold. I made the deposit Saturday XX/XX/XXXX. The funds were withdrawn from the account I wrote the check from on XX/XX/XXXX. 

Bank of America is the institution that placed the hold. The funds came from my XXXX XXXX money market account.
Consumer complaint received 2022-01-29
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)

I have contacted Transunion numerous times explaining that the following inquires are listed as someone was trying to get accounts opened in my name. I am not working with any credit repair or quick fix company. I am taking numerous hours out of my day from my family to get this corrected and each time nothing. I believe you are sending computer generated responses or not looking and sending the same responses. Please delete the fraud information from my credit report.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I got a used car from sames with the bank XXXX XXXX and I have given XXXX on time payments and they have not reported anything to the credit!! I called back in XXXXXXXX XXXX XXXXXXXX and they said they had fixed it but nothing!! Were in XXXXXXXX XXXX XXXXXXXX and they havent resolved anything!! 
I want to buy a house and get another vehicle and i cant because my credit is stuck and not accurate!! Im very mad and dissapointed i will never and encourage no one to use flagship credit!! I call and call and they say they are working on it and nothing ... Im certain that if i fail a payment they will report it fast!!!