davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-21
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc. (FL)

The car was repossessed due to financial hardship and natural disaster. The amount due on the vehicle was partially obtained through auction. The remaining amount was sold to a debt collector ( XXXX XXXX ). That remaining amount was settled, paid and issued for deletion. I contacted San Tander consumer to try and update the account with my letter of satisfaction. I requested that the account be removed from my credit report as they have managed to obtain the money owed on the car. They replied and stated they will do no such thing and hinted that I was asking them to do something illegal. They would not accept my letter of satisfaction of payment and would not work with me on the matter. I explained that if they received the money it should not be an issue to update my credit report if not a full deletion of the account. They said they will not do it. This account reflects on both my wife 's and I credit report.
Consumer complaint received 2021-05-11
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: GSF MORTGAGE CORP (OR)

XX/XX/2021 The VA loan that I applied for was first a construction loan to build an XXXX home and then turned into a conventional loan a month after the house was completed which occurred on XXXX, XXXX 2021. Then, the mortgage payments started on XX/XX/2021 Prior to the transition to a conventional loan from a construction loan, I asked GSF on several occasions over the phone that I would want to put down money to lower my monthly payments. I was informed that, I would be able to do this at a later date in the loan process. 

Also prior to doing a buy down to lower my interest from XXXX to XXXX, I once again asked if I could give the additional money then to lower my monthly payments and GSF said, '' No, '' that I would be able to do that transaction at a later date. 

After the loan transitioned from a construction to a conventional, once again I spoke to them to put down additional funds to lower my monthly payments. At this point, I was told that, I could put down additional funds but, my monthly payments would not be lowered, only the principal would be lowered.
Consumer complaint received 2021-08-28
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MA)

XXXX continue to violate the FCRA with XXXX account XXXX. Date last active has been Re-aged. This account has been Re-aged from XXXX to XXXX. Re-aged account is a very serious violation of the Fair Credit Reporting Act requirements. This account also has multiple inconsistency reported by XXXX. Inconsistent reporting is a violation of the FCRA. I have circled and highlighted the R-aged account and multiple inconsistent reporting by XXXX. This violation Re-aged account and inconsistent reporting by XXXX has injury and harm my ability to obtain financing.
Consumer complaint received 2021-05-11
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. (CA)

I have sent several letters to Experian about two bankruptcies that they are reporting on my credit profile in error. The last letter that I sent was on XX/XX/2021 about the errors that they are reporting on my credit profile. The errors still remain on my credit profile as of today. I will attach supporting documentation for this complaint. I have reached out to all sources about these errors. The XXXX  XXXX XXXX and XXXX. XXXX had also did an investigation and had corrected the information within the files with the two errors and they removed them after also contacting XXXX and other appropriate parties during their investigation. Experian can not say they this matter has been investigated because if they have investigated it appropriately then my credit file would reflect the updated information with the Bankruptcies removed. This inaccurate information on my credit file has caused me to miss out on major decisions in life. This is very damaging and devastating error that has caused me severe XXXX XXXX and XXXX. Can you please investigate this situation and have it taken care of as soon as possible. Thank you for your understanding and prompt attention to this matter.
Consumer complaint received 2022-12-16
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. (MI)

I was in the process of applying for Insurance and it was brought to my attention that there is some inaccurate, incomplete and unverifiable information reporting on my credit report.

I received a copy of my credit report and to my surprise I saw all these inaccurate items that I have previously asked you to block.

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority.

Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft.

I have provided documents that can prove it. By the way I hope that this does not hinder my ability to obtain Insurance due to this inaccurate information reporting.

I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( i ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.If you can not complete this request, please delete the accounts immediately.

I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate every piece of information and remove these items below from my credit report.

Accounts 1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX. The inquiry was not authorized XXXX  XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/2022 Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX  XXXX  Date of inquiry : XX/XX/2022 Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX, XXXX Account XXXX : XXXX Delete this account. 
XXXX. The following personal information is incorrect Account Number : XXXX  XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2022-03-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Williston Financial Group (WA)

I closed with XXXX XXXX XXXX and they recommended WFG Lender Services of California as my title company, I agreed. 

I closed on XX/XX/22. I was due a refund on my escrow from WFG. 

they sent my refund to the wrong address, how does a title company and or lender have the address they are the title company for have it incorrect!? here we are XX/XX/22 and I still do not have my refund of my escrow overpayment. 

I called them today and they were completely unaware?! SO I *should* be getting a check via XXXX.. 

My complaint is how and why would this refund take over a month to get processed and what POOR communication these companies have.
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. (GA)

in accordance with the Fair Credit Reporting act XXXX. 
XXXX XXXX XXXX XXXX  XXXX Account Number : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXXXXXX XXXX Account Number : XXXX, has violated my rights XXXX 

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
Consumer complaint received 2022-01-21
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I filed bankruptcy XX/XX/2022. I called Bank of America to resolve my account and get it back in good standings. I was told by a rep that my fees will be waived and he asked me did I want to close my account I specified no. He then transferred me to collections to get that done. I then spoke with them, gave them my bankruptcy information and asked them would they be waving the fees, he said I had to speak to customer service. I was transferred there then they said I had to speak to the bankruptcy department, the bankruptcy department said I had to talked to the overdraft department and they tried to transfer me again. They said that my account was closed. I asked why I didnt request that. They then said due to bankruptcy and I asked where was that in the policy and the rep could not tell me and refused to get a supervisor.
Consumer complaint received 2021-05-11
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. (TX)

Transunion used my data & email address I have now on my new cell phone to verify the account I have with them but the email they sent a verification code to does not match the one I verified with the account.
Consumer complaint received 2021-08-28
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAVALRY INVESTMENTS, LLC (KY)

XXXX XXXX XXXX I, XXXX is a collection Agency, THEY send to my a Letter trying to collect a Debt to me. I Dispute this debt with them within 30 as the Laws requires. The information they provide to me is not Accurate even My name, they request some documents to me and i send it to them as Birth Certificate, Social Security Card, Driver License, Bill, once i send all the information, they said that's no enough and under FCRA laws, if the information wasn't accurate, have to be removed from my credit report also FDCA laws, said the same and they are violation my consumer right all the time, I'm disputing this with them for more than a Year, Actually the sold this collection to another Collectors as XXXX XXXX XXXX and XXXX XXXX XXXX XXXX, I request Debt validation, and only send a few Statements, not all of them as I request to them, even in those report is a Different name like mine and legally they have to remove that collection from my credit report, and that is a violation of my consumers right because the information is innacurate and they know it and still threaten me when they are selling this collection to another collections Agencies and keeping this collection on my credit report. My Name on Credit Report is XXXX XXXX XXXX XXXX
Consumer complaint received 2021-08-28
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

XXXX continue to violate the FCRA with Freedomplus account XXXX. Date last active has been Re-aged. This account has been Re-aged from XXXX to XXXX. Re-aged account is a very serious violation of the Fair Credit Reporting Act requirements. This account also has multiple inconsistency reported by XXXX. Inconsistent reporting is a violation of the FCRA. I have circled and highlighted the R-aged account and multiple inconsistent reporting by XXXX. This violation Re-aged account and inconsistent reporting by XXXX has injury and harm my ability to obtain financing.
Consumer complaint received 2021-05-11
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. (IL)

Experian is reporting 6 accounts that I have no dealings no contract and no knowledge of. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These are all collection accounts
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

in accordance with the Fair Credit Reporting act XXXX. 
U S DEPT OF EDXXXX Account Number : XXXX Account Number : XXXX XXXX  XXXX XXXX XXXXXXXX Account Number : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  XXXX XXXX Account Number : 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
Consumer complaint received 2022-01-21
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. (CA)

I have previously disputed with XXXX, Experian and XXXX on XXXX/XXXX/2021 regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.
Consumer complaint received 2021-08-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: GOLDMAN SACHS BANK USA (CA)

On XX/XX/21 I was approved for a Goldman Sachs Apple MasterCard. On XX/XX/21 I used the cards Iphone apple-pay feature at XXXX/XXXX  for a gasoline purchase at the pump. The charge for {$66.00} appeared on my account and then later it disappeared. I called Goldman Sachs Bank to inquire why and was told it must not have processed properly an that it was up to me if I chased down the merchant to get it corrected. I pointed out this is not fair. The issue is the apple pay feature and I got my {$66.00} in gas so the merchant should get paid. The customer service rep said it isn't their problem and it happens all the time. So Goldman Sachs and Apple are cheating merchants and doing this at a time when these merchants can't afford to be cheated.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have submitted multiple disputes in regards to a dismissed XXXX XXXX XXXX file date of XX/XX/XXXX to XXXX, XXXX, and transunion about the validity of report on my credit report. these disputes have been made over the course of the last 4 months starting on XX/XX/XXXX. Each time, the bureaus claim to have verified the information with the U.S. Bankruptcy court! I have contacted the said court and have been told explicitly that they do not and never will share or verify information with any credit bureau or anyone for that matter. Furthermore, I have asked the bureaus for written, signed verification from the ORIGINAL reporting agency bearing my full name, social security number and date of birth confirming this Bankruptcy belongs to me. They have not done so! This is a clear violation of the FCRA! The information they are reporting is preventing me from obtaining housing. Also, in the eyes of the law, any case, civil or otherwise that is dismissed no longer exists. Therefore, they have no right to maintain information that the government has deemed nonexistent! Pursuant to 1681 ( a ) ( 5 ) of the FCRA, this must be deleted from my credit reports.
Consumer complaint received 2021-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Checkr, Inc (MD)

I am XXXX XXXX for a couple of years. I have been living in XXXX  until I moved to XXXX  since XX/XX/2021. I have updated my personal information ( address change, driving license and vehicle information ) in ubers driver app, bank account, insurance etc. I did notify DMV, the county that I used to live and all other offices about my address change accordingly. However, I have received an email on XXXX XXXX, from checkr about my background check for uber. When I saw the details on my background check report, there are wrong ( unupdated information ). They put my old address with my old driving license number and reported as if I have no active driving license. I have tried to reach at them through email and phone call. I have attached my current driving license though their portal but they are not taking any corrective actions and I couldnt reach at them through phone. Because of that wrong background report, uber declined me from using the XXXX XXXX app and my credit score dropped. Please let me know what to do for checkr to correct their report thanks.
Consumer complaint received 2021-05-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BBVA FINANCIAL CORPORATION (GA)

On XX/XX/XXXX Simple Bank, subsidiary of BBVA USA, informed it's customers via email that BBVA had made a strategic decision to close Simple Bank, and to absorb it's customers into BBVA. Simple bank accounts were technically already BBVA accounts on the backend, so we were promised in the email : " We want to assure you that we are committed to making this transition as smooth as possible for you, and that we will provide ongoing transparent and open communication, so you know what to expect each step of the way. ". 

Regular reminders were emailed to Simple customers about the account transition. BBVA had months to plan the transition. The genius executives at BBVA decided to set the transition to happen on a Saturday morning. BBVA online customer service apparently does not operate on weekends. Predictably the transition wasn't smooth like we had been promised multiple times over the course of months. Unpredictable was how badly they messed up the transition. The majority of Simple accounts were messed up and the accounts were locked with no actual way to unlock them given because the phone number they gave us immediately hung up whenever called for the last 3 days. The phone line worked today, only for the customer service rep to tell me there was nothing she could do to help and to call later. So most customers have been locked out of their accounts unable to see what is happening with their finances for going on 4 days now. In a pandemic I might add. 

BBVA 's XXXX @ BBVA_USA has been on damage control for the last 4 days offering very little other than empty apologies and phone numbers you can call and get hung up on. They claim unexpected customer account creation crippled their system. Sounds reasonable enough, until you realize that since they owned Simple Bank, and Simple Bank actually used BBVA banking accounts on the back end .... they had all the information they needed knew exactly how many customers were going to need to make accounts the day of the transition. No steps were made to make it happen smoothly. No support staff was ready for the transition, no extra staff was scheduled to help with the inevitable issues, no system put in place to stagger the account creations required for the transition over hours or days, nothing. They just turned off Simple 's servers, locked us out of our bank accounts, and keep saying how very sorry they are and how unexpected it all was.
Consumer complaint received 2021-05-11
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. (MA)

Hi XXXX XXXX and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. 

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Consumer complaint received 2019-01-02
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. (OH)

I was looking at my credit report and I seen accounts and addresses that I never lived at. I have never lived in XXXX GA. There were several phone numbers that are not mine. Someone has open accounts for cellphone and cable bills. I do not recognize any of these companies : XXXX XXXX # XXXX, XXXX XXXX  XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX. I was looking into a home purchase when I discovered the account above. I have filed a report with the Consumer Financial Protection Bureau and Federal Trade Commission.