davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-25
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Gold Star Finance, Inc. (TX)

Gold Star Finance in XXXX Tx XXXX XXXX, They barras me constantly ay works at all hours of the dar they calle and harass all my coworkers and staff..They even come to my work in person to harass me and my home
Consumer complaint received 2022-03-29
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. (MI)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX and Experian 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 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 this XXXX XXXX credit card is open in fraud and needs to be immediately removed from my credit report Due to violating my consumers rights in a means to pursue legal judgement I never gave permission to report this fraudulent activity on my credit report
Consumer complaint received 2022-03-29
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: EQUIFAX, INC. (MI)

In accordance with the Fair Credit Reporting act XXXX XXXX, Equifax XXXX and 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 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 this XXXX XXXX credit card is open in fraud and needs to be immediately removed from my credit report Due to violating my consumers rights in a means to pursue legal judgement I never gave permission to report this fraudulent activity on my credit report
Consumer complaint received 2022-03-29
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: EQUITY LOANS LLC (FL)

My homeowners insurance double so my monthly payment went up. I was {$78.00} and some change short due to this in XXXX. I made the short fall good by XX/XX/XXXX. The company misapplied my loan payment hit me with a late penalty even though I was not technically late so I gave them another {$50.00} to make them leave me alone. They acknowledged the mistake and said they would stop calling. They have not. I have told them many times to leave me alone. They start calling at 8 am and continue throughout the day.
Consumer complaint received 2022-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AZ)

NOTICE AND DEMAND this account is a corporate account with me as a member for signing this servicing company has been on notice before and has removed the erroneous information. This information needs to be deleted immediately it is still to find my personal business and may be repairable see the attached legal information.
Consumer complaint received 2022-12-16
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. (AZ)

NOTICE AND DEMAND this account is a corporate account with me as a member for signing this servicing company has been on notice before and has removed the erroneous information. This information needs to be deleted immediately it is still to find my personal business and may be repairable see the attached legal information.
Consumer complaint received 2022-03-29
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. (MI)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, XXXX XXXX and Experian 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 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 this capitol one credit card is open in fraud and needs to be immediately removed from my credit report Due to violating my consumers rights in a means to pursue legal judgement I never gave permission to report this Business activity on my Consumer credit report
Consumer complaint received 2022-03-28
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. (FL)

In accordance with the FCRA the following companies have violated my rights as a consumer. 

15 USC 1681 Section 602 A states I have the right to privacy.

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

There must be written instructions by me to have anything written on my credit report and I never gave authorization for that. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-10-29
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. (TX)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.
Consumer complaint received 2022-03-28
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. (MI)

I have submitted several request for XXXX, Transunion and XXXX to investigate a few things that are reporting on my credit report that I believe are inaccurate. My request for them to investigate was on XXXX and then again on XXXX. They have failed to respond to any of my request. After my research online, I was under the impression that they are required to respond to any request to investigate from a consumer based on the FCRA rules. I have waited way past the 30 day rule and even sent a 2nd request asking about my first request and still no response. I pay a credit monitoring system every month so that I can view my credit report to see if they are at least updating or acknowledging my request and unfortunately every month I am disappointed to see that nothing has been updated or removed. They are showing last active dates updating but no responses as to how or what they did to verify or update the account. We are now going into XXXX and I am frustrated with this as my credit is suffering because of these inaccuracies reporting on my report. I am sending now my 3rd set of letters in hopes that they will finally respond and help me with a solution of my request. After further research, I found this site and am hoping to get a response and now a resolution since they have failed to respond to me.
Consumer complaint received 2021-10-27
Product: Vehicle loan or lease — Title loan
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc. (NY)

on XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes.For at least a year, every business day, three times a day I am harassed by phone calls. As of XX/XX/2021 I orally ordered them to cease and desist from all collection activity, only for them to continue to call me and I have proof as shown by exhibit G. They refuse to validate my debt and refuse to cease and desist from all collection activity. I have suffered damages due to the abuse and obscene language spoken verbally to me and via mail. Attached are supporting documents for my claim and all have been notarized, sent and resent via certified mail by the United States Postal Office. I have yet to receive a reply.
Consumer complaint received 2022-03-29
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)

In accordance with the Fair Credit Reporting Act, Everything has to be 100 % accurate on my credit report. These actions violated my rights. 


XXXX XXXX. XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX. XXXX section XXXX A section XXXX, It also states a consumer reporting agency can not furnish an account without my written instructions. 

The Credit Reporting Agencies stated the account was properly investigated but these items in my attached credit report show different.
Consumer complaint received 2019-11-21
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. (LA)

I have done two disputes to transunion and XXXX  on my car loan report on my credit it is showing late payments for months that were paid Months XXXX, XXXX, XXXX, XXXX are all up to date but it is showing late payments plus the date are wrong it is showing that the last payment for transunion were XX/XX/XXXX in the amount of XXXX and it is showing a balance of XXXX but the balance on my XXXX  account is XXXX and on my XXXX  it is showing last payment was made XX/XX/XXXX which is incorrect my last payment was XX/XX/XXXX in the amount of XXXX dollars which has extended my account until XXXX and it is also showing the balance of XXXX which is also incorrect. I have did disputes, also called and tried to get them to fix it and they are still messing up my credit score!
Consumer complaint received 2023-09-30
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. (TX)

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the listed accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file XXXX - XXXXXXXX XXXXXXXX XXXX  Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}.
Consumer complaint received 2021-10-29
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: Westlake Services, LLC (TX)

I currently am still being forced to pay on a Lemon Car that was sold to me from XXXX XXXX XXXX XXXX, XXXX Texas XXXX XXXX. My car was financed through a loan vendor called Western Funding Inc. I payed a down payment of {$1900.00} and Im currently paying {$200.00} to pay off my car. Now the dealership that I purchased the car from did not inform me that the car will practically break down in two months due to the car having built in sludge in the engine. My car did come with a 2 year warranty but is practically useless due to the fact my car is broken down because of built up sludge in my engine which caused a whole in my engine. I was informed by my Warranty company XXXX XXXX that due to my car being caused to break down from Sludge it is not repairable by the warranty therefore I would have to come out of {$6000.00} just to get my engine fixed. Mind you the car XXXX  XXXX XXXX was sold to me with the pay off balance being {$6000.00}. Now my issue is, Im stuck paying on a Car note and paying back a loan for a car thats not drivable, due to lack of professionalism and trust from XXXX XXXX XXXX. I dont want to repo my car as that will damage my credit. The reason I purchased a car was to build my credit, made all my payment on time. I need answers on the best way to resolve this. I cant trade in my car, because XXXX XXXX XXXX says they no longer do trade ins. Ive contacted everybody including my warranty, dealership, and Funding of the bank. Nobody is really giving me an reason. Very stressful knowing my credit is on the line.
Consumer complaint received 2023-09-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX  XXXX XXXX Balance : {$750.00}
Consumer complaint received 2022-03-28
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: EQUIFAX, INC. (TX)

In reviewing my credit report, I suddenly I notice that there was an error. The report is not 100 % accurate and would like your agency to take an action. I listed below the item with discrepancy : XXXX XXXX / XXXX / {$0.00} XXXX / XXXX / {$0.00} XXXX XXXX XXXX / XXXX / {$0.00} XXXX XXXX XXXX / XXXX / {$0.00} XXXX XXXX XXXX / XXXX / {$0.00}
Consumer complaint received 2022-03-28
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. (TX)

In reviewing my credit report, I suddenly I notice that there was an error. The report is not 100 % accurate and would like your agency to take an action. I listed below the item with discrepancy : XXXX XXXX / XXXX / {$0.00} XXXX  / XXXX / {$0.00} XXXX XXXX XXXX  / XXXX / {$0.00} XXXX XXXX XXXX / XXXX / {$0.00} XXXX XXXX XXXXXXXX / XXXX / {$0.00}
Consumer complaint received 2019-07-25
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. (GA)

I purchased an XXXX XXXX XXXX in XX/XX/XXXX. In XXXX of XXXX, I had the vehicle refinance with XXXX. The payments on the account was {$650.00} a month. I was making the payments on time, until we have the government shut down. So, I got behind on the payments. I had a hard time making the payments, so I voluntary to have the vehicle repo XX/XX/XXXX. The vehicle had an balance that was left over from an vehicle that we traded in for the XXXX. XXXX sold the vehicle for {$12.00}, xxx.xx. So that left me paying {$16.00}, xxx.xx on the balance. XXXX is putting an negative item on my credit report, stating that the account is charged off bad debt. The account is not bad debt, because I voluntary had them to come and get the vehicle. The account need to be positive and showing that the balance was dropped from $ XXXX to {$16.00}, xxx.xx
Consumer complaint received 2022-05-16
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAINE & WEINER COMPANY, INC. (NY)

CAINE & WEINER COMPA ( Original Creditor : XXXX ) has failed to send me a response with my requested information for alleged collection account XXXX within the first five initial days of receiving my dispute. I have already been suffering enough with this inaccurate data on my credit report, I prepare ways to circumvent talking about my financial status or shortcomings with everyone from family members to co-workers causing changes in the relationships that have shaped my life until this day. The stress that comes with this alleged debt ruining my creditworthiness can not be managed. As a single mother, the financial expectations I am required to meet are unimaginable and it is a no-brainer that if I had the financial boost that good credit offers I would be in better shape to face daily challenges that come with my current predicament. 

Due to lenders turning down my applications I was forced to move out of my original state and ended up at my current address with no family or close friends to vent to leaving me visiting more social programs to help me deal with my stress and XXXX Now that I contact this company about this alleged debt there is no response?? 


furthermore CAINE & WEINER COMPA ( Original Creditor : XXXX ) is also reporting this alleged debt as an " Account '' which is inaccurate according to USC Title 15 1693A2 Therefore at this point this collection agency is knowingly furnishing false data on my credit report in violation of15 U.S. Code? 1692e. False or misleading representations and I demand them to Cease and desistfurnishing this alleged debt and notify all credit reporting agencies to delete it immediately.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (SC)

My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance. I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies in reporting. The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards. As a consumer, I have listed the concerns about your reporting in this document. It is not complete and does not meet applicable standards because according to law you are required for both FCRAs as well as Metro 2 compliance which must be done truthfully with correct information being provided timely so that none of my rights are violated I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits. My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i. Keep in mind, that you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception. I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that no law says you need to provide a Power of Attorney to delay processing letters from a consumer. If you do not process my letters promptly, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action. 

Summary of Accounts being challenged in list form XXXX XXXX XXXX XXXX XXXXXXXX Please remove from my public record XXXX - Account Number : XXXX THIS CONTRACT IS CANCELED XXXX XXXX - Account XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove it from my credit report.
Consumer complaint received 2023-03-02
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. (TN)

I have submitted several disputes to reporting agencies and i have not been receiving the proper treatment at all. When i call they hang up on me or refuse to send me to the right department to resolve my credit reporting issues
Consumer complaint received 2022-05-16
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: General Motors Financial Company, Inc. (TX)

GM failed to provide me with a payoff letter. I confirmed the email address for it to be sent to, and also called again later to provide a fax number. Nothing has been received over XXXX hours later. It took in excess of XXXX minutes on the telephone. They are continuing to charge finance fees and will be assessing a late fee due to their failure to provide the requested payoff letter.