davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-17
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. (GA)

I have been a victim of IDENTITY theft ... ... I submitted all the proper documents to all 3 bureaus previously ... .this account on my reports was removed previously as it was found to be fraudulent and now it was re-inserted for no reason ... .these credit bureaus are XXXX and they never follow the guidelines set forth by the FCRA ... they just operate in their own worlds and go by their own RULES. Both of the following accounts should be removed and deleted permanently from my reports. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX AMOUNT : {$200.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX AMOUNT : {$3300.00} Reason : Account is fraudulent
Consumer complaint received 2022-01-27
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: ALLY FINANCIAL INC. (PA)

YOU BROKE THE LAW!! 


To whom this may concern, I XXXX XXXX Attempted to do business with your agency unfortunately your agency was not able to accept doing business with me because of them violating my consumer rights! Due to insufficient credit history as well as lack of funds to make a down payment as you are well aware youve broke the law & discriminated against me due to the reports you pulled from third party agencies Let me explain to you.. 15 usc 1681 ( a ) ( c ) ( i ) following 15 usc 1681 ( 2 ) ( b ) Youve committed FRAUD following 15 usc 1692 ( a ) ( i ) Pursuant to 1681 ( g ) ( h ) Disclosure to consumers, following 15 usc 1681 ( m ) Duties of users taking ADVERSE ACTION Following 15 usc 1611 Criminal liability 15 usc 1681 ( a ) ( 8 ) Authorization or Approval of a specific Extension of Credit directly or indirectly by the issuer of a credit or similar device should be excluded from a consumer report, When you ran my credit there was a finance charge involved and which ever agency in charge got paid but i was still denied & still with out a vehicle so with me explaining how you have violated me as a federal protected consumer! As my right Following 15 usc 1635 I wish to rescind on any & all contracts!

I DEMAND YOU TAKE ACCOUNTABILITY FOR YOUR ACTIONS!
Consumer complaint received 2021-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NC)

XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX AF - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX FCU - XX/XX/XXXX Equifax XXXX XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX FCU - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.
Consumer complaint received 2022-04-11
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Santander Consumer USA Holdings Inc. (MA)

My car loan was paid in full on XXXX of this year, as off today I haven't received the copy of my retail contract marked paid, also have not received the tile for the car. 
Called the bank and they sent me a XXXX  copy of the contract witch is wort nothing. 
i need the original contract signed and stamped paid in full also the tile for the car, as my obligation was paid in full by the terms of the contract.
Consumer complaint received 2017-06-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: WELLS FARGO & COMPANY (AL)

I have been trying to resolve negative accounts on my credit report. Due to lack of proper investigation and communication I am requesting that this negative account be removed from all three credit bureaus. I have contacted this company multiple times for verification and validation and I have never received the information requested. I am in the process of shopping for a mortgage and this unverified and un-validated account is preventing me from purchasing a home for me and my children.
Consumer complaint received 2022-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I'm trying to buy a house and can't unlock/remove a credit freeze. I tried to log into my account to unfreeze, see my credit score. I sent a request to reset my password every day for 3 days ( XXXX thru XXXX ). TransUnion never sent any emails to reset password. On the XXXX day ( XXXX ), I called customer service twice in one day requesting to reset my password. I was told that the online portal to reset password doesn't always work and they would send me a temp password via email in 5-10mins. I never received any emails to reset my password. I requested they try both my email address. Still no emails to reset. I made comment that something is wrong with their system and was told : There is nothing wrong with our system, it's on your end. I was receiving emails to both my email accounts from other people/businesses as I was speaking with agents. Transunion is refusing to send emails with password reset options to access accounts.
Consumer complaint received 2016-01-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (CA)

XXXX Is reporting that my account is open and has a balance of {$24000.00}. This was discharged on XXXX XXXX, 2015 on my Chapter # XXXX Bankruptcy. It should be changed to account closed with XXXX Balance.
Consumer complaint received 2021-05-14
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A. (PA)

On XX/XX/2021 I sent a letter to Bloomingdales regarding inaccurate and unknown things on my report. On XX/XX/2021, I sent out another letter. To this day over 60 plus days later. I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 it is plainly stated that a failure to investigation. These items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me. My information was also impacted by the XXXX data breach and many have got into the hands of the wrong person.
Consumer complaint received 2019-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: ALLY FINANCIAL INC. (NY)

I leased a XXXX XXXX XXXX  in XX/XX/XXXX ally financial was the creditor I ended up filing bankruptcy and had it discharged in XX/XX/XXXX. But I reaffirmed the XXXX XXXX XXXX I made all the monthly payments and even paid it off early in XX/XX/XXXX and returned truck to the dealership. Now Ally Financial has put on all three of my credit reports under " REMARKS '' that this debt was a chapter XXXX bankruptcy. i explained numerous times and even sent e-mails to a woman named XXXX that works for Ally in the customer relations department that this information is inaccurate. I have recorded conversations of her refusing to change it. She says its up to the credit reporting agencies to correct it. 
This is a violation of the ( FCRA ) If Ally refuses to correct the FALSE & NEGATIVE information on my credit reports I would like have file a lawsuit for actual damages, punitive damages, attorney 's fees and cost. This WILLFUL VIOLATION is intentional It has caused financial problems and causing me emotional stress. I hoping that Ally Financial will correct this information before legal action is necessary. 
IF A CONSUMER REAFFIRMS A DEBT THE CREDITOR IS OBLIGATED TO TREAT IT AS NO BANKRUPTCY HAS EVER A CURED.
Consumer complaint received 2019-01-16
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: Southwest Credit Systems, L.P. (PA)

Someone opened an account in my name which caused a debtor status to be placed against me. Now I am taking this step remove this potentially fraudulent information from my credit file. Moreover I do not recognize the account number listed for these item reporting nor do I recall establishing an account with the collector nor there predecessor
Consumer complaint received 2022-01-27
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. (NV)

The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. All items listed should be blocked, removed and suppressed for these are fraudulent and inaccurate. Fraudulent Accounts : XXXX XXXX XX/XX/XXXX {$1500.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX XX/XX/XXXX {$1200.00}, XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX XX/XX/XXXX {$770.00}, XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX ) XXXX XX/XX/XXXX {$250.00}, XXXX XXXX  XXXX XX/XX/XXXX {$2000.00}. Inquiries : XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2022-01-27
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (CA)

I want to apologize for the last report it was resent on accident the reason why Im typing this is because I believe my case should be reopened, I was not only scammed XXXX $ like I explained in the last cases this guy scammed me from {$1300.00} from mr my music platform was never reactived and I didnt receive any money that I made, pleas reopen my case this guy took almost XXXX $ from me it is simply unfair I never got what I paid him For, please help his pay pal emails are XXXX and XXXX his name is triu-vn-dng please help I added photos of his XXXX, his Email and of his pay pal account please help get my money back
Consumer complaint received 2021-05-17
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. (CA)

I contacted my mortgage provider during covid 19 to indicate that I was unable to make payments as scheduled. I was approved for a Forerance in XX/XX/XXXX and was told it was good for 6 months. In XXXX of XXXX, I called again and I was told I had several options for repayment. I could repay everything I owed all at once ( ( I was unable to do this ), I could go on a repayment plan or I would lose my home, the last option was to extend the forbearance. XX/XX/XXXX I extended the forbearance and was told it was good for another 6 months. XX/XX/XXXX, I called the loan provider and was only give the option of a repayment plan so I began the process of trying to figure out what was needed. I was told I would be called with options and or it sent in writing. No one ever called so I called again and was given these terms ; XXXX down payment and monthly payment would be XXXX for 12 months as the mortgage was XXXX. I began the payment plan in XXXX of XXXX. I then realized that my loan had been reported as DELINQUENT for 120+ days. I called and asked why this happened and was told the loan would be reported as delinquent for over a year. I asked why this was never told to me and furthermore if I was on a repayment plan why would this be reported. I received NO response. On XX/XX/XXXX, I noticed that loan was closed, I called again and they indicated the loan had been sold but yet they are still reporting a loss on my credit report. I was under the understanding that the government had indicated that loans and mortgages would NOT be reported as a loss. I have been paying the loan back so not sure why this is happening. Please assist me as this will affect my score for the next 10 years. As many in the world, we have all been affected by COVID and my intentions were never to NOT pay and I have resumed paying my monthly payment of XXXX and an additional amount of {$1800.00} so I would not lose my home.
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (IN)

I'm a victim of identity theft and there are inaccuracies on my credit reports. I have filed numerous FTC and IRS affidavits due to my information being used fraudulently. XXXX, Equifax, and XXXX are violating my rights by furnishing this data on my consumer reports. 
In accordance to the FCRA,15 U.S. Code 1681B- Permissible purposes of consumer report. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates! I didn't give XXXX, XXXX or Equifax written consent to report the inaccuracies that are currently on my credit report. 

Also in accordance to the FCRA, 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : No adverse item besides the conviction of crimes should be on your report any item that is a derogatory mark is not allowed into consumer reports this is another violation.

Lastly 15 U.S. Code 1681c-2- Block of information resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency
Consumer complaint received 2022-04-11
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: EQUIFAX, INC. (NY)

Hi I am submitting this XXXX XXXX XXXX this isn't 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 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. 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 XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 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 21 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 n now im homeless n cant provide to mXXXX XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help
Consumer complaint received 2022-09-28
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)

I sent letters out to all 3 credit bureaus regarding items on my credit report that are not accurate which is a FCRA violation and you must abide by the law. All information I have provided in my letters is true and accurate to my knowledge. I am the one sending the letters and filing this complaint with no help from a credit repair or 3rd party. I know this is a violation of my rights due to the bureaus not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I just want these accounts to be removed from my credit report immediately or I will take legal action and hire a lawyer. I am trying to purchase a home soon and these negative items are holding my score back.
Consumer complaint received 2022-01-27
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. (RI)

On XX/XX/XXXX I disputed something TransUnion reported to XXXX XXXX. 
As of XX/XX/2022, When I log into XXXX XXXX to check the dispute, not only does it show it's been more than 30 days, but it shows that there is still no decision on the dispute. I reached out to Transunion on XX/XX/2022 and i was told by them, that according to them, not only did I not have any current or past disputes, but if I were to receive an answer that it would have gone through XXXX XXXX, they could not be of assistance, and to contact XXXX XXXX, and would not help me any further. 

When reaching out to XXXX XXXX that same day, i received a reply on XX/XX/2022 that also says they ( XXXX XXXX ) could not find any disputes in there system, ( despite when i log in i can still see it in my dispute section ) and that they too could not offer any additional help as they did not have the resources but i was welcome to ask them any further questions.
Consumer complaint received 2022-01-27
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Maximus Federal Services, Inc. (PA)

Enrolled in school in XX/XX/XXXX. My original loan principal balance was {$15000.00}. The lawn was in my fathers name. I only attended my school until XXXX. I did not finish due to finances. Needless to say I never finished college because it was too expensive to pay back the current loans that I have. As time went on my father expected me to pay my student loans because they were mine. At that time I was making {$9.00} and was expected to pay {$180.00} a month. When I reached out to my loan servicer to explain to them that I could not afford it they just put me in a forbearance. That was in XX/XX/XXXX. I was forbearance from XX/XX/XXXX to XX/XX/XXXX. Once I was married I was able to make a little bit more and start to pay off the loans. But at this time my interest rate went up 8.5 %. In XXXX I received an email I believe in XXXX that my loan was going up from {$180.00} a month to {$500.00} a month. Being XXXX  with her first child on the way and the pandemic happening we simply couldnt afford this. I reached out to our loan servicer and they suggested us consolidating the loan. They suggested this because I later found out on my own that we have maxed out the repayment plans. My servicer was putting us Repayment plans as well as for balancing my loans. Once I consolidated my love I was hopeful that I was going to be able to make payments because it was extended to a 30 year repayment plan. I then realized that my payments were now going to be over {$300.00} a month for the next 30 years with an 8.5 % rate. Leaving where my original principal was {$15000.00} to now {$40000.00}. But then that really leaving the loan to over XXXX in a XXXX fix. I Find it to be unfair that my loan servicer directed me and always possible in the wrong direction. No one helped me no one guided me no one directed me in the Direction and how to pay these loans off. I did not graduate and I understand that is my own decision I did choose to go to school and I know that was my own decision. But I did not choose nor expect to be in more debt than I ever thought I would be over 10 years later after taking out a loan to try and better educate myself.