davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Going over my monthly consumer report I've noticed that Transunion is reporting multiple accounts that's inaccurate and reporting unlawfully. They are reporting accounts that are not verified nor have my consent to report. I have a right to privacy in which this account never had permission form me which violates that right. I ask that Transunion thoroughly investigate these account to ensure all accuracy. There are no agreement between me and any of the companies reporting so how can there be a debt if there was never a balance agreed to be paid? where's the authorized signature from me? If Transunion continues to report these accounts knowing they're not verifiable then that's another violation against my rights on their end. Pursuant 15 U.S. Code 1681i - Procedure in case of disputed accuracy, I demand that these accounts be removed if you can not provide to me any signed agreements between me and the creditor reporting these accounts with my permission to report these accounts. 

Violations committed by Transunion : 15 U.S. Code 1681b - Permissible purposes of consumer reports 15 U.S. Code 1681 - Congressional findings and statement of purpose 15 U.S. Code 1681e - Compliance procedures 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information
Consumer complaint received 2024-02-29
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. (IL)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2022-06-14
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)

XXXX XXXX XXXX have been reporting to my credit as a collection on Experian and XXXX the debt was paid and the company agreed to remove from my credit report. XXXX have no problem removing it.
Consumer complaint received 2018-12-10
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Santander Consumer USA Holdings Inc. (VA)

On XX/XX/2018, I went to XXXX XXXX of XXXX XXXX Virginia and purchased a XXXX XXXX XXXX  for the sum of $ XXXXUSD. I signed a sales contract along with a co-signer on that date and left the dealership. 

Today, XX/XX/2018, I am being told by representatives XXXX and XXXX at XXXX that the bank has not yet approved the loan. XXXX presented himself as the Sales Director and claims the bank, Santander USA, will not process the loan without an additional $ XXXXUSD ( a full month after the sale was made ). 

I am told I can not speak to anyone at Santander USA as they refuse to deal directly with customers. This bank is behaving in a suspicious manner. If financing was approved on XX/XX/2018, how are they now allowed to ask for an additional $ XXXXUSD 30-days later? According to the dealership, my first payment is due on XX/XX/2018, but I have not heard from or received any billing notices from this supposed bank. I do not even have a loan number to reference. 

Lastly, I'm not sure that this bank should be allowed to operate within the United States if they can make up terms to contracts after the initial terms were agreed upon and a contract was signed.
Consumer complaint received 2022-06-14
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: National Credit Adjusters, LLC (CA)

NATIONAL CREDIT ADJUSTERS have been reporting to my credit as a collection on XXXX and XXXX the debt was paid and the company agreed to remove from my credit report. XXXX have no problem removing it.
Consumer complaint received 2021-11-24
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. (GA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my XXXX XXXX. Contacting the Equifax XXXX requesting a complete payment history with this account. Despite the multiple previous requests. Below are the accounts that are reported, the unverified accounts listed below still remain on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

XXXX XXXX XXXXX Balance {$0.00} XXXX XXXX C XXXXX Balance {$0.00}
Consumer complaint received 2022-06-14
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. (CA)

I've already filed a police report ; and let the agency know that this was identity theft ; yet I get the dispute dismissed almost immediately and it is still showing on my credit report. It is clear that XXXX is auto-denying disputes as I can't reach anybody on the phone that will give me more information.
Consumer complaint received 2022-06-14
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: EQUIFAX, INC. (FL)

I received a copy of my credit report today and discovered an alleged hard inquiry. I do not recall authorizing this inquiry and I would like to see the application of credit. Under the Fair Credit Reporting Act, no one may access my credit without my permission for the purpose of extending credit. 



XXXX XX/XX/2021 XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021
Consumer complaint received 2018-04-23
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: Radius Global Solutions LLC (FM)

1. Private Student Loan originated - XX/XX/XXXX 2. Repayment began XX/XX/XXXX 3. Faxed in school deferment forms XX/XX/XXXX with verification of enrollment. ( I have proof of documentation as well as correspondence from XXXX of eligibility of deferment ). 
4. Was told to make 3 payments of specified amount by XXXX XXXX ( XXXX ) to make loan current through beginning of school Fall XXXX semester beginning XX/XX/XXXX with registration XX/XX/XXXX ( I have proof of payments made and account in good standing as well as enrollment verification. ) XX/XX/XXXX Payment - {$66.00} XX/XX/XXXX Payment - {$120.00} XX/XX/XXXX Payment - {$100.00} 5. Was First notified on XX/XX/XXXX that loan was in default with no previous contact or notification from XXXX except for a " this is not a bill '' statement received on XX/XX/XXXX. 

6. I was told on XX/XX/XXXX, by representative to resend documentation of deferment ( I have email proof as well who I spoke with ). 

7. XX/XX/XXXX loan was charged off without warning and I was notified by XXXX XXXX XXXX. 

8. Called XXXX, filed complaint, they researched into this complaint and in less than 24 hours without contacting me for any documentation said there was nothing they could do even with the proof of documentation I sent. 

9. Currently, 4 law suits against XXXX for this exact reason. 

10. Please help as it is preventing me from getting financial aide to complete my education.
Consumer complaint received 2022-06-14
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. (CA)

I've already filed a police report ; and let the agency know that this was identity theft ; yet I get the dispute dismissed almost immediately and it is still showing on my credit report. It is clear that XXXX is auto-denying disputes as I can't reach anybody on the phone that will give me more information.
Consumer complaint received 2022-06-14
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 credit reporting act : XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  as violated my rights. 
15 U. S. C 1681 section 602 A. State that I have to write to privacy.

15 U. S. C. 1681 section 604A section 2 : It also state a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-10-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (GA)

I am signed up for estatements with my Citi credit card. When I log into the Citi banking portal for my Citi credit card, I am unable to see statements online for months in which there was no activity. This is default behavior. I took a screenshot showing there is no statement available for viewing for the months of XXXX and XXXX of this year. However, I have determined there is a bug in the portal website architecture as there was in fact activity during this period : I made a large external bill payment to the account to pay off a balance transfer I had previously made to the card. I wanted to confirm that I wouldn't be charged any additional interest going forward, but I am unable to determine this online due to the missing statements. I tried to reach out to support using the online chat feature, but the agent was unable to assist me.
Consumer complaint received 2018-04-11
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: EQUIFAX, INC. (TX)

XXXX XXXX for XXXX XXXX  is alleging a line of credit for XXXX dollars. The contract does not bear my signature and contains incorrect banking iformation. It is an unauthorised loan that was created to scam me after paying a payday loan
Consumer complaint received 2021-05-05
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Bliksum, LLC (CA)

XX/XX/XXXX CONSUMER FINANCIAL PROTECTION BUREAU ( CFPB ) RE : ACCOUNT NUMBER XXXX To whom it may concern : I originated a loan for {$3000.00} with XXXX in XX/XX/XXXX. Since I have paid {$350.00} on every third of the month by direct debit. My question to you is, should I owe more money on this loan now than the amount borrowed? My monthly billing statement dated XX/XX/XXXX is attached. 


Thank you for your assistance. 




Sincerely, CONSUMER
Consumer complaint received 2018-04-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CITIBANK, N.A. (MD)

Citibank build me for a membership fee of {$95.00} when I had no account with Citibank. I believe this to be a credit card scam. The scam stated I was a member since XX/XX/2017 I've never had a Citibank card in the last 20 years.
Consumer complaint received 2018-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (CA)

I already submitted a complaint and received information from the executive office. It was updated but now this month is showing a charge off and a balance and I have a paid in full letter from Chase and the back up from my original CFPB complaint.
Consumer complaint received 2022-06-14
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've already filed a police report ; and let the agency know that this was identity theft ; yet I get the dispute dismissed almost immediately and it is still showing on my credit report. It is clear that Experian is auto-denying disputes as I can't reach anybody on the phone that will give me more information.
Consumer complaint received 2018-04-23
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: 21ST MORTGAGE CORP. (NY)

On XX/XX/XXXX I acquired a 80/20 mortgage for the sum of {$360000.00} & {$90.00}, XXXX from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX CRFN # XXXX Rec. XX/XX/XXXX & CRFN # Rec. XXXX Rec. XX/XX/XXXX Rec. in the XXXX County Clerks Office. On XX/XX/XXXX & XX/XX/XXXX there were two satisfaction of mortgage, the {$360000.00} was supposed to be return to me XXXX XXXX which I never received Rec. in the XXXX clerks office CRFN # XXXX & the {$90000.00} was return to XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, PA XXXX CRFN # XXXX. On XX/XX/XXXX XXXX XXXX XXXX XXXX claim that I acquired a mortgage of {$540000.00} not a assignment or sale from XXXX XXXX XXXX XXXX but a mortgage. In fact I never took another mortgage on the property how is it possible to buy the property twice, the amount of the mortgages was {$360000.00} + $ XXXX= $ XXXX.if there was a refinance which never happen meaning I had to take money out of the property, were is the check and who cash it? 
On XX/XX/XXXX XXXX XXXX XXXX XXXX assigned the mortgage to XXXX XXXX XXXX XXXX and Rec. it at lease two years later XX/XX/XXXX XXXX county office CRFN # XXXX. XXXX XXXX XXXX aka XXXX XXXX XXXX XXXX assigned the mortgage to XXXX XXXX XXXX XXXX XXXX XXXX. But XXXX XXXX XXXX aka XXXX XXXX XXXX XXXX had no servicing rights see case # XXXX ( XXXX ) UNITED STATES BANKRUPTCY COURT XXXX DISTRICT OF LOUISIANA XXXX XXXX DECLARATION OF XXXX XXXX XXXX as president of XXXX XXXX XXXX on XX/XX/XXXX assignment from XXXX XXXX XXXX XXXX XXXX XXXX to XXXX XXXX XXXX XXXX four years later. On XX/XX/XXXX assignment from XXXX XXXX XXXX XXXX to XXXX XXXX. XX/XX/XXXX assignment from XXXX XXXX to 21ST MORTGAGE CORPORATION which bought a fake NOTE into the court as I explain to the judge. The banks & servicer are dealing with deceptive practices. On XX/XX/XXXX effectively XXXX XXXX XXXX XXXX assign, transfer or sold all servicing rights to XXXX XXXX XXXX XXXX. With no recording in the XXXX clerk office. XXXX XXXX XXXX XXXX Also are claiming I did a modification with them which never happen, further more they didnt own the mortgage or the rights to service the loan. Now I am in danger of loosing my home with a sale date in a couple of weeks these banks an servicers has know right to foreclose on my property. and there is many issues with the assigments.
Consumer complaint received 2018-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: BBVA FINANCIAL CORPORATION (CO)

In XX/XX/2018, I financed a new XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. I got the loan thru BBVA. I set up online automatic withdrawal. I had problems setting it up online. So I tried over the phone. I was told I had everything set up online and all accounts, charges, settings were set. 
Well, after the first month, I started getting late notices on payments in XXXX 2018. I called and doubled checked my online account. Everything looked normal and already set up. On the phone, the representative would go over my account and said all was fine, it must be a glitch. And submit a work ticket. I never heard anything back.

Then 2-3 weeks later, I would get more mail stating I was failing to make regular monthly payments on my loan to BBVA. 
I once again, called and talked to a representative over the phone. Same thing. They said it was taken care of. 
In XX/XX/2018, I finally went into a local BBVA bank and said I wanted to speak to someone in charge and find out why my payments were not being submitted and why the auto withdrawal was not going thru. After 5 days, it was finally straightened out. BBVA apparently had the wrong account number from my bank. I had submitted it correctly, but they kept entering one too many digits. 
However, it is because of 2-3 months of NONE payments, I believe my credit history has suffered. I have a score of XXXX, as of XXXX-18. I believe this to be unfair since it was not my error back in XX/XX/2018, when BBVA made the mistake on my loan account. I wish for this to be corrected, reviewed and addressed. Since the correction, I have been late on NO accounts and fully pay all loans and bills on time with no past due or collection agencies.
Consumer complaint received 2018-12-10
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (IL)

Have been paying on private student loans prior to completion of terminal degree ( XXXX ). Recently in XX/XX/XXXX, private loans went into default, while enrolled in payment program. Have been paying {$250.00} per month since XXXX at least and not clear as to how loans went into default. Was informed needed to put all loans in at different times due to how they were taken out. Then was informed they were in default due to payment amounts not being sufficient, when they ( Navient ) were the servicers who enrolled me in the program with the acceptable rate/charge. Now 3 out of 5 of my private student loans are in default and there is nothing I feel I can do, especially since I am still paying $ XXXX month, plus my co-borrower is also paying a fee and has been for the past year at least. I have sent in letters and statements ; spoke to supervisors and numerous representatives. I receive phone calls at least 1 time per hour between the times of XXXX and XXXX CST. I am unsure of what to do. I do not have much on my credit report besides student loans, a car loan and 1 credit card ( with low balance of XXXX ). Not sure what else to do or where to go for support.
Consumer complaint received 2018-12-10
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: EXPERT GLOBAL SOLUTIONS, INC. (FL)

My wife and I contracted with XXXX XXXX XXXX to purchase a new home in XX/XX/2018. Our credit was verified at that time. The house was not started until XX/XX/2018. Our credit was run again by the builders mortgage company again in XXXX prior to the start of the home. I advised them that there was no need to run the inquiry because the home was not started and the existing report was good for 4 months. The home is still not finished and they are now going to have to run our credit once again. I have asked that they remove the inquiry, however, they stated they did not know how to do this and advised I would have to handle. The lender admitted to me that she made an error by checking our credit prematurely. We are asking for help in having this inquiry removed from both my wife and my credit report.
Consumer complaint received 2018-12-10
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. (SC)

Company has failed to properly investigate my identity theft claim. I've mailed and faxed in sufficient documents to support my claim. The credit reporting agencies have send back electronically verified responses. When i call, im unable to get anything resolved over the phone, the most helpful reps have all been located outside of the USA. i've attachment documents to be re-reviewed, hopefully i will get some assistant with the help of this complaint.
Consumer complaint received 2018-12-10
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. (SC)

Company has failed to properly investigate my identity theft claim. I've mailed and faxed in sufficient documents to support my claim. The credit reporting agencies have send back electronically verified responses. When i call, im unable to get anything resolved over the phone, the most helpful reps have all been located outside of the USA. i've attachment documents to be re-reviewed, hopefully i will get some assistant with the help of this complaint.
Consumer complaint received 2022-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

602-15 U.S.C. S1681 ( a ) ( 1 ) : States that the banking system is dependent upon the fairness and accuracy of credit reporting and that inaccurate credit reports directly impair the efficiency of the banking system.

616-15 U.S.C. S1681n ( a ) ( 1 ) ( A ) : States any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer .. and because of negligence of the consumer reporting agency i was denied mortgage and job opportunity and demand damages be awarded.

U.S.C. S1681s-2 ( A ) ( 1 ) States the consumer reporting agency is regulated to reporting accurate information and can not furnish information on a consumers report that they deem inaccurate.

604-15 U.S.C. S1681 ( A ) ( 2 ) Consumer reporting agency can not furnish an account without my written consent 602-15 U.S.C. S1681 ( A ) States consumer has the right to privacy which was not respected in transaction from said company.

611-15U.S.C. S1681 ( I ) ( 5 ) States if information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall delete said accounts. 

XXXX XXXX  of XXXX - XXXX Inaccurate Information [ XXXX ] XXXX  of XXXX - XXXX inaccurate information [ XXXX ]