davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-17
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. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2019-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (NY)

Attempted to get Credit report from Equifax. However they can not give it to me since I do not know anything about 3 debts that I never took out and no other credit report has asked me for. Specifically these are : 1. A student loan in 2016 ( I was XXXX at the time. A simple date check in their system should prevent this ... ) 2. A home loan at XXXX  ( I do not own a home, I actually lived with my parents at XXXX   and was a dependent on their taxes ) 3. A installment account at XXXX ( I have never opened or heard of such an account type until now ) Since they are the private version of the XXXX   social credit score they do not have niceties like customer service or the ability to protest beyond this form. So here it is.

They want me to send my personal documents in the mail to them. This is not free and in violation of the credit act that requires this information to be available to americans once per year. Unlike XXXX ( which does not have bad info and is in compliance ) you can not dispute the credit report verification if all the information is incorrect ....

Personally after going through this experience I feel that the american dream of freedom has truly moved to XXXX Sadly I can not emigrate there coming from XXXX  and all.. : - (.
Consumer complaint received 2019-03-31
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: SYNCHRONY FINANCIAL (GA)

I have spoken to the creditor ( BELK ) in regards to this matter and to no avail the matter still hasn't been handled. My complaint is in regards to the original creditor ( BELK ) selling my debt to a third party ( XXXX XXXX XXXX, XXXX ) in which the original creditor and the third party both are reporting the exact same debt to all three credit bureaus. This is a double infraction on my credit reports. I want the original creditor ( BELK ) to delete these accounts from all three bureaus since they sold the accounts to XXXX XXXX XXXX, XXXX on XXXX. Please find correspondence letters from BELK the  original creditor attached.
Consumer complaint received 2022-08-28
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. (MS)

XXXXm responding to the verified no-change letter you sent me for the late account. Based on your recommendation, I sent a letter to the Creditor asking for the proof that I was in fact late, on { the month they reported but they never responded. 

Its clear that the late account, Date open, no. of months ( terms ), High Credit, Last reported date, Date last Activity, Date of Last payment is inaccurate because the Creditor did not send any valid proof of me being late, date of Last activity, Last reported date, High credit, Date open, Last reported date, no. of months ( terms ), date of last payment. If they cant prove that the account was late, they cant report to the Bureaus, according to the FCRA. Please Delete Account Immediately these inaccurate listing from my credit report or your company will be in Violation of the FCRA. A HARD COPY HAS BEEN FILE WITH CFPB Creditor : XXXX BANK Account XXXX TRUNCATION IS ERROR TO I NEED THE WHOLE TRADELINE ACCOUNT NUMBER. 
Reason : 15 USC 1666 A/B BILLING ERROR/15 U.S. CODE 1681e- Compliance Procedures ( b ) Accuracy of Report WHENEVER A CONSUNER REPORTING AGENCY PREPARES A CONSUMER REPORT IT SHALL FOLLOW REASONABLE PROCEDURES TO ASSURE MAXIMUN POSSIBLITY ACCURACY OF THE INFORMATION CONCERNING THE INDIVDUAL ABOUT WHOM THE REPORT RELATES. 

PLEASE SEE BELOW ATTACHMENT
Consumer complaint received 2023-07-17
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. (FL)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-07-11
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. (TX)

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX XXXX  XXXX  Account # XXXX, XXXX Account # XXXX, XXXX/XXXX  Account # XXXX, XXXX XXXX Account # 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 2021-04-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (IL)

On XX/XX/2021 I purchased gun safety box from XXXX XXXX in the amount of {$99.00}. 
I found it online, made a PayPal payment and was promised to get email confirmation/shipping details after the payment goes through. I waited for few days and did not receive a confirmation. I did reach out to PayPal to dispute the transaction. However, PayPal did not accept my dispute saying the sale was a Gift card not a Safety box. I did explain fraudulent advertising and transaction details, yet PayPal did not accept my dispute, and closed the case declining PayPal advertised purchase protection. 
As of today i paid {$99.00} for the item i never received ; and can not get my money back because PayPal does not want to review the case.
Consumer complaint received 2024-03-23
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Westlake Services, LLC (NJ)

Your company WESTLAKE FINANCIAL SERVICES never validated this alleged account. If you have validated this account please provide method of validation. I was never given the opportunity to access or review this alleged debt. If you in fact believe that you gave me proper notification of this alleged debt, please send me a copy of the certified receipt with my name and signature as well as my original contract with signatures from the original creditor with the cost you paid for this alleged debt.
Consumer complaint received 2022-08-28
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Tesla, Inc. (CA)

Tesla company provided extremely high pressure time frame and I was unable to shop for auto loan. Sales rep called over phone and provided high interest loan but was able to discount 2.25 % and asked if rates ok. I asked to see financial document but he said he accepted on my behalf. I still havent seen my loan document nor agreed to loan or signed. I feel Im not alone and plenty others are going through same. How can a bank give me loan without my approval or consent or signature. This is highly irregular. Please investigate the practice. Consumers are held with threat of order cancellations after waiting for over 7-9 months.
Consumer complaint received 2019-01-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc. (SC)

In the beginning of XX/XX/2018 I discovered some medical bills on my report that I had no knowledge of. I called and was informed just to dispute with the credit bureaus. I did that and the collections were removed from my report In XX/XX/2018. Well I recently purchased a credit monitoring service and I have discovered that the same collections that were removed by XXXX XXXX XXXX due to possible fraud has been placed back on my reports by another collection agency called Aargon Agency.

First off Aargon Agency is reporting they obtained the debt XX/XX/2018. How is that even possible when I was still disputing the debt with XXXX XXXX XXXX and the debts were removed XX/XX/2018. Secondly Aargon Agency never contacted me nor gave me the opportunity to dispute the validity of the debt, which is my right as a consumer, had they did their due diligence they would have known the medical debts did not belong to me.
Consumer complaint received 2021-08-18
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: SYNCHRONY FINANCIAL (MS)

I called paypal XX/XX/ to update my contact information for my paypal credit line as I was unable to do so online. I then found out by a representative that someone had previously called in impersonating me and updated my information. They changed my phone number, email address, and physical mailing address. I informed them I was recently a victim of identify theft and my mail was stolen out of the mail box to include my birth certificate, VA letters containing my SSN, paypal account details/monthly bill, and possibly other items. They made the changes to the account but were not able to release from what number they called or when they updated the information.
Consumer complaint received 2022-08-28
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TN)

Hi, I am authorizing this complaint on my behalf. I cant believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, its more that 60 days. I need these accounts deleted immediately.
Consumer complaint received 2023-06-26
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. (MO)

I am a victim of identity theft and I have some fraudulent items on my credit report that do not belong to me and I do not recognize, nor did I authorize them. Can you please delete and block the following information on my credit report. XXXX, XXXX and Experian refuse to follow the rules set out by the FCRA and the CFPB. If they would investigate the accounts that are reporting on my credit they will that they don't belong to me.
Consumer complaint received 2020-09-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (GA)

My credit reporrt is showing Late XX/XX/XXXX and XX/XX/XXXX My accounts are on auto draft and I have never paid late and all payments come out of my accoynt every month as sheduled I was never notitified that my account was delinquent
Consumer complaint received 2019-01-05
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)

I placed a security freeze on my Equifax credit file, and received written confirmation by mail that the freeze took effect XX/XX/XXXX. -- -- -- While applying for a loan, I placed a TEMPORARY lift on the freeze through the Equifax automated phone system ( XXXX ). The lift was to be effective XX/XX/XXXX through XX/XX/XXXX. 
-- -- - On XX/XX/XXXX I attempted to confirm that my security freeze had been reinstated and is currently active. Equifax provides no way, through their web site or their phone system, to simply verify if a credit freeze is in effect, or if a temporary freeze has been properly reinstated. ( The other two credit bureaus make this info very easy to obtain through their web sites. ) In frustration, I called the automated number and was informed that a temporary lift was currently in effect -- this was 3 months after the freeze should have been reinstated. The automated system told me I could place a new temporary lift that would replace the currently effective lift. I did so, making the lift effective XXXX thorough XXXX, and received a confirming email from Equifax. I called the automated number again today, XX/XX/XXXX, and was informed by the automated voice that my credit file freeze was still temporarily lifted. -- -- - After considerable searching, I found a " Customer Care '' number for a live representative ( XXXX ). The representative was polite and patient, although her sub-continent accent ( XXXX? XXXX? XXXX? ) made communication difficult. The difficulty was increased by at least two other nearby call center reps who's conversations I could clearly overhear. Apparently, Equifax spares every expense possible when it come to " Customer Care ''. I was assured by the rep that my credit file freeze has now been reinstated and I should receive written confirmation via USPS mail within five days. I can't say I'm confident. -- -- - My complaint is this : Equifax 's poor security measures caused the credit report crisis, why are they not being forced to provide a user-friendly system to place, lift and verify the current status of a credit freeze? XXXX XXXX and XXXX   provide that service, and presumably -- like Equifax -- still make a great deal of money trafficking everyone 's vital financial information.
Consumer complaint received 2021-08-18
Product: Debt collection — Auto debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Santander Consumer USA Holdings Inc. (AZ)

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. Additionally, please provide proof of the original loan or credit application that I signed with your company.
Consumer complaint received 2019-07-15
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: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (MN)

I never gave my permission for Ace Cash Express to run a hard inquiry on my credit report. 4 times in 2 months when applying for credit. I have taken numerous loans out through them and they haven't pulled a hard inquiry every time. There are numerous complaints about this online and it was stated : For anyone who got hit with a hard inquiry without consent I suggest contacting the CFSA, the CFPB, lodging a complaint with The Fair Credit Reporting Act under 15 U.S.C. 1681. 

Ace Cash Exp Inquiry from XX/XX/2018 Finance Ace Cash Exp Inquiry from XX/XX/2018 Finance Ace Cash Exp Inquiry from XX/XX/2018 Finance Ace Cash Exp Inquiry from XX/XX/2018
Consumer complaint received 2020-09-14
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: Experian Information Solutions Inc. (FL)

Although my XX/XX/XXXX Experian Credit Report shows ample credit ... Experian has given me a 0 FICO Score ..The Experian site also states I that I also have a 0 FICO score with all 3 credit bureaus as well which is not accurate and can be verified. I have tried numerous times from XX/XX/XXXX to today, XX/XX/XXXX to Experian by phone and email to no avail. The one time after 2 hours and 3 transfers I did reach a live person ... she couldnt help me other than to tell me to file a dispute online. Experian dispute choices do not grant me the choice to dispute my type of problem. I have tried in other ways only to receive automated responses as to what could cause a 0 FICO Score.. non of which apply to my plight. This dilemma has caused me to be denied 2xs for  credit which not only is a grave inconvenience but a blemish on my credit as well.
Consumer complaint received 2019-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (IL)

I have disputed and corrected information on my XXXX file successfully but I can not get dispute information to XXXX and Experian. I am trying to buy a home and I need these files to reflect the same or similar to my XXXX file.
Consumer complaint received 2020-02-05
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC (VA)

Issue : Mortgage Company will not establish a new loan to accept my payments and will not communicate with me on how to resolve issue. 

On XX/XX/2019 I was closing on a refinance of my home with my original loan service " Lakeview Loan servicing by XXXX  ''. Upon signing I found incorrect information one item was a simple fix of an address. The other item was an incorrect amount of {$250000.00} listed as " Amount of Mortgages and Liens '' and {$1500.00} " Mortgage Payments ''. I question the amounts as originally I purchased the house for {$200000.00} and at the time of refinancing I owed approximately {$190000.00} and paid a mortgage payment of approximately {$1300.00} a month. The representative at closing was not able to help nor reach anyone available to help. I refused to sign the paperwork with incorrect figures as this is a legally binding document and failed to close. On XX/XX/2019 I submitted to cancel using my " Notice of Right to Cancel '' paperwork that was given to me because my loan officer, XXXX XXXX XXXX, would not provide clear directions on how to correct this paperwork nor would he send corrected paperwork for me to sign. The loan was cancelled and Mr. XXXX promised to make it right by refinancing at a lower interest rate vs. me leaving to find a company more keen on details. After a few months the second refinance was never submitted by my loan officer and my original loan was paid in full even though the first refinance was cancelled. Mr. XXXX ignored emails and forwarded them to XXXX XXXX a loan processor of XXXX XXXX XXXX XXXX XXXX on behalf of Lakeview Loan Servicing NMLS # XXXX to which no resolution occurred. I have attempted to contact Lakeview customer service multiple times but that also did not provide a solution, customer service responded with " We must have sold your loan ''. I have not received any notices from any other company for servicing my loan. For the last 8 months the company will not take any payments as it shows both my original loan and the failed refinance loan as paid in full.
Consumer complaint received 2021-05-09
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: EQUIFAX, INC. (FL)

Ex wife missed a payment I was the closest signer on the loan I was never contacted by the XXXX XXXX XXXX about the missed payment. I viewed my credit report and noticed the late payment I called and had to make a payment out of my pocket on a vehicle that I was not using. I asked them to remove it in good faith from all 3 credit bureas in good faith and they didnt even have any empathy.
Consumer complaint received 2019-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

The three accounts below have a wrong balance. 


1. XXXX  XXXX XXXX XXXX {$120.00} {$300.00} 41 % Revolving Current XX/XX/2017 2. XXXX XXXX   XXXX {$140.00} {$200.00} 72 % Revolving Current XX/XX/2017 3. XXXX XXXX XXXX XXXX XXXX {$190.00} {$200.00} 100 % Revolving Current XX/XX/2017
Consumer complaint received 2022-08-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (MO)

I was looking to buy a ticket for a concert as it had sold out on XXXX. A user ( XXXX ) reached out to me on XXXX about selling me their ticket. I was apprehensive but agreed to pay {$20.00} of the {$30.00} prior to recieving the ticket and the remaining {$10.00} after. I sent the money to their Zelle email ( XXXX ). They responded with a very clearly manufactured screenshot that claimed that the amount had been refunded to me due to an error. The user asked me to send the amount again. At that point, I challenged the fraudulence, and they stopped replying. I've already reported them to XXXX. I went on XXXX  XXXX XXXX to dispute the charge, but the bank claimed that no charges on my account were eligible. I tried calling next but I couldn't even get ahold of a real agent ( stuck with the automated machine ).
Consumer complaint received 2022-08-28
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Early Warning Services, LLC (FL)

In early 2019, I submitted an application for a checking with XXXX XXXX account via my phone. Between having a poor Wi-Fi connection, and accidentally pressing the back button a few times, my application was submitted multiple times and my account was flagged. This was a good faith mistake but has prevented me from opening other accounts without difficult in-branch identity verification. Multiple requests have been sent to both the reporting agency, Early Warning Services, and to the bank. They have given me the runaround.