davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-01
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: FIRST HAWAIIAN, INC. (HI)

I had a pay off amount of {$14.00} that I paid in full for my car loan. I have receipts of payment in full and recieved my car title but they reported a delinquent. It is still reported on my credit report as a delinquent. I would like this error to be removed due to first Hawaiian banks error.
Consumer complaint received 2024-03-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NY)

I am writing to dispute the following information that appears on my XXXX report from XX/XX/XXXX : XXXX XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$510.00}. 
I am a victim of identity theft and I never opened this account. 
Inquiry from XXXX on XX/XX/XXXX. 
I am a victim of identity theft and I never authorized this inquiry. 
Inquiry from XXXX on XX/XX/XXXX. 
I am a victim of identity theft and I never authorized this inquiry. 
Inquiry from XXXXXXXX XXXX XXXX XX/XX/XXXX. 
I am a victim of identity theft and I never authorized this inquiry. 
Inquiry from XXXX on XX/XX/XXXX. 
I am a victim of identity theft and I never authorized this inquiry. 
Inquiry from XXXX XXXX XXXX  on XX/XX/XXXX. 
I am a victim of identity theft and I never authorized this inquiry. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
I am a victim of identity theft and I never authorized this inquiry.
Consumer complaint received 2022-04-12
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. (MD)

In accordance with the Fair Credit Reporting act the following inquiries XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXXXXXX XXXXk XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX has violated my rights.

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

15 U.S.C. 1681 Section A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-04-12
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Ok i filed tjis didute becsuse i called the bank to inquiry bout a previous claim and i was told that it had been paid already and all of the money was taken out the account by XXXX XXXX transfer.so i had to open a claim at that time fo XXXX. I sent the information required and any supporting documents such as police reports. But the claim was quickly denied... i have reopened the claim for re -determination around XXXX to XXXX times since the first XXXX, but each time they reached the same decision in less than XXXXXXXX XXXX. I really decided to ask for their paperwork why they reach the decision that they did and the first time I requested the document they sent some transaction that we're not related 2 they claim so I called and explain back to the claims department and asked for determination again and requested it supporting documents for their decision this time they sent. A paper with just the XXXX XXXX XXXXransfer and that was it.
Consumer complaint received 2022-01-28
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: World Acceptance Corporation (GA)

I have a loan with World Finance, located in XXXX, Ga, I stop making the pymts due to a issue that came up and I thought my only option was to file a XXXX  XXXX, consulted XXXX and XXXX and was actually working with them to file this XXXX  XXXX and one of the things you have to do is take a online line class that discusses budget, making arrangements and possibly settling account with creditor, so after my last conversation with XXXX and XXXX  I advised them that I would like to speak with my creditor to see if I can work anything out with them, I spoke to all my creditors and have work out payment plans, I contracted World Finance on XX/XX/22, spoke to the branch manager XXXX XXXX XXXX and advised her that I am in a position to pay them and I would like to resume making my payments on XX/XX/22, she stated she couldn't do that since I had renewed my loan with her company and no payments had been made since the renewal, advised her ok and I guess I will see her in court, prior to me not being able to pay I paid this loan on time and was never 30 days past due, I would like to be given the opportunity to pay this loan All call made in my office are recorded because i work for a finance company and XXXX XXXX is aware of this, please advise
Consumer complaint received 2022-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (NC)

XXXX placed a fraud alert on my credit report without documentation. XXXX is now requiring that I send a copy of my personal protected information in order to have the fraud alert removed. To date, XXXX does not nor have they ever had an official copy of my driver 's license or social security card yet they have been reporting my credit history for over 30 years. I find that XXXX is using the fraud alert as an attempt to gain access to my personal protected information to have on file for their use when I may submit a dispute against a creditor.
Consumer complaint received 2024-03-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IN)

In In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


I told XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-01-28
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)

I have notified the consumer reporting agencies XXXX, XXXX, and Experian of fraudulent accounts on my credit report resulting from identity theft and a data breach. pursuant to 15 U.S. Code 1681c2 ( section 605B ) which states that these accounts must be removed within 4 business days of date of receipt.They are still on my report and this affecting my livelihood. pursuant to 15 U.S. Code 1681c2 authority to rescind and/or decline ONLY applies if : ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. 
This request was not given on the substance of any reason to decline or rescind as stated in 15 U.S. Code 1681c2. Also keep in mind that this request does not meet the requirements for you to decline or rescind.
Consumer complaint received 2021-05-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC (WA)

I recently purchased a house with LoanDepot.com LLC as my loan servicer. The transaction was closed on XX/XX/2021. As part of the closing, I prepaid {$4500.00} to LoanDepot for 6-month county property tax due on XX/XX/2021. My monthly contribution to an escrow account held by LoanDepot is {$780.00}, covering future property tax payments and home insurance premium. 

In the week of XX/XX/2021, I started to enquire LoanDepot when they would settle my property tax payment. Later it turns out that LoanDepot made duplicated payments to the county, once from my escrow account on XX/XX/2021 of {$1100.00} and a second time from my prepayment. After deducting a duplicated tax payment of {$1100.00} from the original prepayment of {$4500.00}, LoanDepot deposited the remaining balance of {$3400.00} as an initial escrow deposit to my escrow account on XX/XX/2021. 

As of today, XX/XX/2021, XXXX County, Washington, only posted one receipt of {$1100.00} on XX/XX/2021 ( receipt no. XXXX ). After several correspondence with LoanDepot, they admitted that they mismanaged my escrow funds and sent a duplicated tax payment. They claimed that they were communicating with XXXX County to seek a refund. There was no details of actions disclosed and there was no response from the county. LoanDepot kept emailing me postponing the deadline to solve the issue.
Consumer complaint received 2022-01-28
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: Experian Information Solutions Inc. (TX)

EXPERIAN I DO NOT UNDERSTAND HOW YOU CAN NOT GET THIS MATTER CORRECTED. THOSE ACCOUNTS DO NOT BELONG TO ME AND SINCE YOU HAVE STATED YOU CONFIRMED WITH THE DATA FURNISHER I NEED TO SEE THIS PROOF IN FORM OF A SIGNED DOCUMENT WITH MY SIGNATURE ON IT IN FACT I DEMAND TO SEE IT. IT NEEDS TO BE UPLOADED HERE TO MY PORTAL. IF YOU CAN NOT PROVIDE ME WITH THIS IN 30DAYS FOR EACH ACCOUNT THEN YOU MUST DELETE THOSE ACCOUNTS FROM MY REPORT! I CAN NO LONGER WASTE MY TIME WITH THIS MATTER-THESE ARE THE ACCOUNTS THAT NEED TO BE REMOVED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX KEEP IN MIND THE FAIR CREDIT REPORTING ACT SECTION 609 ( a ) ( 1 ) ( A ) , PLUS UNDER THE FCRA UNVERIFIED ACCOUNTS MUST BE REMOVED AND IF YOU ARE UNABLE TO PROVIDE ME WITH A COPY OF VERIFIABLE PROOF!
Consumer complaint received 2021-05-18
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. (PA)

Good afternoon, I am writing to you guys due to some Inquiries that are fraud and reporting on my credit report. I never authorized any of these companies to run my report. When I called them they didnt have any solutions for me and could not find my information anywhere so why are the credit bureaus reporting these items? Please have them investigate them and delete them from my credit report. I also filed identity theft/fraud because I did not give them authorization to run my credit you can see them found attached. Please have these removed asap I tried contacting them and sending letters and nothing was solved.
Consumer complaint received 2022-01-28
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: Bridgecrest Acceptance Corporation (AR)

I have an existing auto loan through Bridgecrest LLC who finances on behalf of XXXX. I began the process of refinancing with XXXX XXXX XX/XX/XXXX. Bridgecrest charges daily interest and they have failed to send a copy of the title to XXXX XXXX despite repeated phone calls I have made and caused to be made regarding this issue. I have sent the new financier everything they need and thats all theyre waiting on, approval is subject to expiration by XX/XX/XXXX. Im being told that Im past due and in collections regarding the loan, which would not be the case had they honored my request in the first place so theyre now reporting a past due status and jeopardizing my ability to refinance entirely all to charge daily interest on the loan by delaying. 

XX/XX/XXXX XXXX XXXX  They Disconnected as I waited on hold. 
XX/XX/XXXX XXXX XXXX  They Disconnected as I waited on hold. 
XX/XX/XXXX XXXX XXXX  ( 18 Minutes, ) was told theyd send a copy of the title to the new financier. 

Prior to these calls, I called XXXX customer service department to procure copy of the title and they reached out to their lender as proxy. I was sent a copy of the title of another persons vehicle divulging their personal information and not mine, further delaying. 

The new financier has reached out on XX/XX/XXXX, XX/XX/XXXX, on XX/XX/XXXX, they called Bridgecrest and sent me this message : the rep I spoke with on the XXXX submitted the request then. Not sure what happened to your requests but it should be here tomorrow. This morning, XX/XX/XXXX, I received an email from XXXX XXXX saying, Hi XXXX, If you get the title please send it over today. Once we have it we can go ahead and re-pull the credit to proceed. So Ill take another credit inquiry hit! 

Attached, please find the documents and personal information they sent me instead of the documents that pertained to my vehicle loan. Theyve disclosed someone elses protected information to me negligently.
Consumer complaint received 2021-05-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Credit Services Inc. (MA)

I canceled a gym membership that I had with XXXX XXXX  in XXXX Massachusetts back in XX/XX/2020. I was told that the account was in fact canceled effective XX/XX/2020 and they will no longer collect money out of my bank account. Surprisingly enough I have been receiving harassing phone calls from a collection stating that I owe XXXX XXXX {$80.00} for the membership that I thought was no longer active. I have tried unsuccessfully in many occasions to contact the gym to no response.
Consumer complaint received 2022-09-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I recently did an investigation on my credit report which caused severe depression upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( XXXX ) these accounts are in violation of not reporting 100 % accurate. 

XXXX XXXX XXXX OF XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXXXXXX XXXX  SERV Account Number : XXXX XXXX  XXXX BANK XXXX Account Number XXXX XXXX XXXX COLL Account Number : XXXX XXXX CREDIT XXXX Account Number : XXXX**************** XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX Also, In accordance with the Fair Credit Reporting Act, the list of accounts above have violated my federally protected consumer rights privacy and confidentiality under 15 U.S.C. 1681.

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

15 U.S.C. 1681 Section 604 A, Section XXXX States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681sXXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reason to believe that the information is inaccurate. 

15 U.S.C. 1681c ( a ) ( XXXX ) Section states no consumer reporting agency can make any consumer report containing any of the following items of information Any other adverse item of information, other that records of conviction of crimes which antedates the report by more than 7 years.
Consumer complaint received 2022-01-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I XXXX XXXX have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 

Account must be removed immediately according to the law Account Number XXXX Name XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX FL XXXX ( XXXX ) XXXX Date Opened XX/XX/2017 Responsibility Individual Account Account Type open Loan Type COLLECTION AGENCY/ATTORNEY Balance {$5800.00} Original Amount {$5800.00} Original Creditor XXXX XXXX XXXX ( Rental/Leasing ) Past Due {$5800.00}
Consumer complaint received 2022-01-28
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Consumer Portfolio Services, Inc. (TN)

On XX/XX/22, I attempted to make my car payment via credit card as I have before. Without notice, warning, or consent, they removed my cc method of payment and stopped taking payments via credit card. They allege theres a law preventing paying debt with credit cards but I cant find it and again, was never notified. 
Now theyre threatening further action if the payment isnt made but they wont accept my readily available method of payment.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX  Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX
Consumer complaint received 2022-01-28
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: Experian Information Solutions Inc. (IL)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX  XXXX and stopping me from getting this job offer XXXX XXXX XXXX XXXX XXXX  cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE
Consumer complaint received 2021-05-18
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIBANK, N.A. (NY)

Today I received an e-mail notification from Citibank stating that they have received my mortgage application under Loan application XXXX. Noted I have not apply for a mortgage loan at Citibank and I am concerned that my e-mail account is being hacked and used for other purposes such as fraud. I will attach a copy of the e-mail sent to me on Monday, XX/XX/21 at XXXX for reference. 

Best, XXXX
Consumer complaint received 2023-11-30
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: LEXISNEXIS (NH)

I submitted a request to LexisNexis for my annual copy of the consumer report maintained and distributed by their business XXXX days ago via Certified United States Mail ( signature confirmation ). I have yet to receive this information. 

I previously opened complaint XXXX regarding this issue. 

LexisNexis appears to have misunderstood the nature of the complaint. I am requesting a copy of the report branded as 'XXXX ' that pertains to me, which LexisNexis sells to businesses.
Consumer complaint received 2019-07-08
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Lending Club Corp (PA)

I have been receiving collections calls from Lending Club when my account is current. They always start by saying my account is current but I'm delinquent for my XXXX payment which makes zero sense. After a few moments they realize I was loaded into their dialer in error and that my account is current. I ask to speak to a manager to have this resolved and I have simply been hung up on. I am now worried I will be reported negatively for this debt that is indeed being paid on time. The collections department has shown no concern with my matter once they realize I have no debt to be paid. Nobody will look into why this is happening to me and I simply have the call disconnected every time I ask to speak to a manager,