davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-27
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

On XX/XX/XXXX I had requested multiple disputes with transunion. It said the dispute date to finish would be the XXXX of XXXX. That alone was past the 30 days. But it still has not finished as of the XXXX of XXXX. I would like all items that I was disputing deleted off of my credit report. As well as the reason why it has taken so long and the process. By law this items should be deleted if not back within 30 days and it has been well past that. Attached is the dates as well as the items I disputed that will need to be deleted. Thank you
Consumer complaint received 2017-06-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

If have been trying to get a loan modification for nearly a year. I have been getting the run around and I have been lied to on several occassions. I have applied for previous loan mods at least 3 -4 times over the past 3 years. I applied when I made more money but was not eligible for a loan mod and got turned down. I applied again when I made less and was still turned down. I appears to me that they are unwilling to help me. Since the most recent attempt to get a loan mod I have been told that documents were not received when I had confirmation that they were delivered via fax. I was sent notices to a database when I never set up to receive documents or communication that way. I was supposely sent documents from the lender but did n't discover it until I called for follow up. Had I not followed I would have missed significant deadlines that would have disqualified me entirely. I was promised that the point of contact would check in with me on a regular basis and that did not happen, I was asked to send more documents when I had already sent them. All of this confusion with the mortgage company took more time to than it should have and in the process my job ended. ( So now I am not approved for a loan mod nor eligible to refinance. ) I am in a Option Arm loan with an interest only payment option which will be done away with and this will subsequently make my monthly payments unaffordable as I used the interest option because it was most affordable. It is my belief that Bank of America has never had any intention to help me keep my home. A loan modification would help me avoid a catastropy of potentially losing my home of 17 years. <P/>My last loan modification attempt was denied in XXXX 2017. A letter was sent on XXXX XXXX 2017 appealing their decision and requested a reason for the denial because it was ambiguous and nothing was received from the lender. I called yesterday and today and finally got through and was told that today was my deadline to appeal the decision. Imagine if I had n't followed up again what would happen? I believe the lender is trying to set me up for failure. I can not refinance my house due to my employment status. I am seeking assistance in making my home affordable. <P/>The name of my lender is Bank of America. My loan number is # XXXX. My point of contact is XXXX XXXX, Home LoanTeam Point of Contact. XXXX XXXX, Resolution Specialist in the Executive Mortage Servicing Compalints Unit.
Consumer complaint received 2022-10-11
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. (FL)

The Credit Bureaus stated my account was properly investigated, but how is that possible if the open dates are different, the balances are different on each bureau, one shows closed, other open, and the dates are different, it recently reopen a loan from 2 years ago and more violations. This ground for removal they also violated my rights under : 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.

Also neither the bureaus or the company on dispute marked my account " under dispute '' as per FCRA 623 ( a ) ( 3 ) Account disputed : XXXX XXXX Other issues : Violations in my credit report. 

All violations have been circled.
Consumer complaint received 2021-08-24
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: Phoenix Financial Services LLC (IL)

MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED, THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS ( FCRA ). PLEASE UNDERSTAND THAT I AM NOT SAYING THIS ACCOUNT WAS OPENED WITHOUT MY PERMISSION, I AM CLEARLY STATING THAT YOUR COMPANY VIOLATED MY CONSUMER RIGHTS. ALSO, PLEASE DONT TRY TO SAY THE ( FCRA ) DOESNT APPLY TO YOU BECAUSE YOURE NOT A DEBT COLLECTOR, WHEN IN FACT THE TERM DEBT COLLECTOR MEANS ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE COLLECTION OF ANY DEBTS, OR WHO REGULARLY COLLECTS OR ATTEMPTS TO COLLECT, DIRECTLY, OR INDIRECTLY, DEBTS OWED OR DUE OR ASSERTED TO BE OWED OR DUE ANOTHER. NOTWITHSTANDING THE EXCLUSION PROVIDED BY CLAUSE ( F ) OF THE LAST SENTENCE OF THIS PARAGRAPH, THE TERM INCLUDES ANY CREDITOR WHO, IN THE PROCESS OF COLLECTING HIS OWN DEBTS, USES ANY NAME OTHER THAN HIS OWN WHICH WOULD INDICATE THAT A THIRD PERSON IS COLLECTING OR ATTEMPTING TO COLLECT SUCH DEBTS. FOR THE PURPOSE OF SECTION 16g2f ( 6 ) OF THIS TITLE, SUCH TERM ALSO INCLUDES ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE ENFORCEMENT OF SECURITY INTERESTS. SO, FROM THE DEFINITION ABOVE WE SEE THAT A DEBT COLLECTOR MEANS ANY PERSON WHO ATTEMPTS TO COLLECT A DEBT, WHICH WOULD ALSO BE YOU!!! Phoenix Financial Services, LLC 15 usc 1681a ( 2 ) ( B ), 15 U.S. Code 1681b ( a ) ( 2 ), 15 U.S. Code 1681 ( A ) ( 2 ), 15 usc 1692j ( a ), 15 usc 1681e ( b ), and 15 usc 6801 ( a ) ( 1 )
Consumer complaint received 2022-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I had reached out to Transunion, XXXX, and XXXX about XXXX account # XXXX to request for them the verify the accuracy of the account. Transunion, XXXX, and XXXX updated me that the account is being reported with accuracy. 
I then viewed an updated report and the account is still reporting inaccurate. 
I see inaccuracies with the date opened, high credit, last reported, last payment, and last Active. 
In accordance with the Fair Credit Reporting act 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 an account without my written instructions
Consumer complaint received 2021-11-18
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA (NC)

- Paid off loan in XXXX or XXXX of this year ; Hyundai Motor Finance immediately cashed the check. 
- Called and asked for the title to be sent to me in late XXXX, never received title - Called in late XXXX to ask for title and was told the title had been lost in the mail - Received lien release letter dated XX/XX/XXXX and was told to take the lien letter to the local DMV - Tried taking to my local DMV but the DMV requires the actual title - Called on XX/XX/XXXX and spoke to XXXX ; was told that my title was returned to HMF on XX/XX/XXXX ( which means that the title was not lost in the mail - that was a lie ). XXXX said it would take 5-7 business days to mail- Called on XX/XX/XXXX and spoke to XXXX, who said said they had not sent the title or even opened the email asking for it and was not willing to transfer me to someone who has access to the title - Emailed XXXX requesting urgent and immediate assistance - Called XXXX XXXX XXXX XXXX XXXX XXXX who signed the lien letter, asking for help and left a voicemail
Consumer complaint received 2022-12-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (NY)

A fraudulent invoice was sent to me through paypal.com. This triggered an official email from paypal to be delivered to me which included a seller 's note which was the scammer 's number. After I was unable to dispute the charge through paypal app and paypal.com I called the number on the seller 's note which began the process of identity theft. Believing I was on the phone with customer service, I followed their instructions which was to first download the XXXX XXXX  and then gave them remote access to my cellphone. They told me someone had opened credit cards on my account and that I would need to start the process of opening up a credit card to cancel all fraudulent activity. A card was then opened through the Venmo mobile app ( card issued by Synchrony Bank ) and the scammer pretended to cancel fraudulent charges by sending money to themselves. This was about an hour on the phone, then the scammer instructed me to send money through other XXXX XXXX XXXX. We signed up for an account on XXXX to begin the scam cancellation of wire transfers and we also sent money through XXXXXXXX XXXX XXXX  on the chase mobile app. By this time I had already given the scammers my full information including my name, address, account numbers, card numbers and social security since all that was necessary in issuing the credit card. 

{$500.00} total was sent through XXXX XXXX pay on the chase mobile app which directly came from my account. {$740.00} total was sent through Venmo for the Synchrony Bank card.
Consumer complaint received 2021-08-24
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. (NV)

I sent an FTC Identity Theft Report to Equifax to dispute inquiries on XX/XX/2021, I received a letter that I will attach to this complaint informing all the inquiries that have been removed from my credit report. I checked my report right away after receiving the letter and discovered that many of the inquiries and items that the letter says that was removed are still on my credit report.

When I called Equifax about the issue they said that I have to send the documents again to start the dispute process one more time.

I sent another FTC Identity Theft Report to Equifax, with the disputed inquiries very clear and Equifax keeps sending me letters that they can't find my credit file even that I sent documents to prove my identity.

The last letter I received from Equifax shows that all the inquiries disputed and listed in the identity theft report will stay in my report because they are factual records of file access even that they are included in the identity theft report and I received the attached letter from Equifax informing that they were removed before.

Please see attached documents.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so, they didn't follow the proper procedure in notating my dispute of the account, which is a direct violation of 15 USC 1692e ( 8 ), which makes this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights. 

I demand this company to delete this account from all 3 credit reporting agencies and compensate me for the violations or I will have no choice but to forward this to my litigation attorney who has advised me that the fact that they didnt notate my account on my credit report as consumer disputes as a violation that I am able to sue them under.
Consumer complaint received 2021-11-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Despite the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. The statement shows a 30 days past de in the month of XXXX to XX/XX/XXXX and XX/XX/XXXX. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 
CAPITAL ONE BANK XXXX ***** Openede Date : XXXX XXXX, XXXX Balance {$1000.00} CAPITAL ONE ***** Opened Date : XXXX XXXX, XXXX Balance {$330.00}
Consumer complaint received 2021-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are still reporting on my Credit Reports and need to UPDATE or REMOVE completely from my Credit Report : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$13000.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} ( Original Creditor : XXXX XXXX ) XXXX XXXX Opened : XX/XX/XXXX Balance : {$0.00} ( Original Creditor : XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$860.00}
Consumer complaint received 2018-03-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Kentucky Higher Education Assistance Authority (CO)

MY LOANS WITH XXXX WERE APPARENTLY TRANSFERRED TO THE KENTUCKY HIGHER EDUCATION ASSISTANCE AUTHORITY ABOUT XX/XX/XXXX. IM NOT SURE IF THIS IS A LEGAL PURCHASE OR TRANSFER.

.

FURTHERMORE, MY FEDERAL STATUS FOR THE LOANS WERE AND HAVE BEEN IN DEFERMENT OF FORBEARANCE THE APPROVED APPLICATION FOR SAID DEFERRED PAYMENTS THRU XXXX XXXX  PRIOR AND DURING THE ENTIRE YEAR OF XX/XX/XXXXAND PRESENTLY TILL XX/XX/XXXX.

UNDER FEDERAL LAW, THAT WOULD MEAN THAT THE COLLECTIONS OR DEFAULT PROPAGATED BY XXXX  IS A ILLEGAL ACTION BY THE STATE OF KENTUCKY AGENCY ATTEMPTING TO OVER-RIDE FEDERAL DEFERMENT OR FORBEARANCE PROTOCALS THAT RELIEVE THE PAYMENT SCHEDULE WITH THE STATE AGENCY.

I NEED YOU HELP IN REMINDING THE PEOPLE AT THE KENTUCKY HIGHER EDUCATION ASSISTANCE AUTHORITY OF THE FEDERAL MANDATE THAT PLACES ALL LOAN DEPTS,,, ,FEDERAL AND STATE IN TO CURRENT DEFERRED PAYMENT STATUS ACCORDING TO THE DEPT OF EDUCATION RULES FOR DEFERMENT OR FORBEARANCE OF ORIGINATION OF FEDERAL STUDENT LOANS WE HAVE THE DOCUMENTATION NECCESARY TO IMPLY THAT THE PURCHASED FEDERAL LOANS OR GUARANTEED ASSISTANCE FROM XXXX IS AND WAS IN DEFERMENT OF FORBEARANCE THEREBY REMOVING THE COLLECTION AND THE DEFAULT STATUS THEY LISTED WITH PREJUDICE AT THE DEPT OF EDUCation and upon my curent credit report in summation they have provided a illegal action upon my accounts and face a federal complaint toward there actions here is the account information, and of course, i can supply the federal documentation to imply forbearance of deferment to aleviate the false collection /late payment process upon my dept of education default status. the fact remains that i worked with XXXX XXXX without XXXX and the kentucky higher education assistance authority knowledge because navient failed to inform them of the proper services and XXXX   arbitrarily assigned itself above federal laws in place to apply a late payment status at XXXX   and the dept of education itself.

REGARDS XXXX XXXX XXXX XXXX XX/XX/XXXX I HAVE TWO ACCOUNTS BEGINNING WITH THESE NUMBERS, KY HIGHER EDUCATION AA View All Accounts Previous Next Details Account # XXXX Original Creditor XXXX XXXX  Company Sold - Account Type Education Loan Date Opened XX/XX/XXXX Account Status Closed Payment Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status UpdatedXX/XX/XXXX Usage - Balance {$57000.00} Balance Updated XX/XX/XXXXOriginal Balance {$44000.00} Monthly Payment - Past Due Amount {$57000.00} Highest Balance - Terms 1 Month Responsibility Individual Your Statement - Comments - Contact Information XXXX XXXX XXXX XXXX, KY XXXX ( XXXX ) XXXX
Consumer complaint received 2017-08-24
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have contacted all credit bureaus and asked to have a public record which is my bankruptcy removed due to the new law dealing with Transunion and public records, I requested for the public record to be removed and that was 49 days ago!
Consumer complaint received 2021-11-18
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. (OH)

I disputed XXXX XXXX filings that populated on to my Experian Credit Report with Experian on XX/XX/2021. I told them that there was proof that the information in the bankruptcy filings showed a similar but different XXXX than mine. I also told them that it was a result of identity theft and I needed the matter resolved asap to get a mortgage. 

Unfortunately, Experian completed their investigation and marked the XXXX to " Remain, '' on my credit report. This has caused me to lose out on an accepted offer to purchase a home for me and my family. This should not be legal because it is proven that the XXXX used for the XXXX is NOT mine. 

Additionally, I have started a new dispute on these same items as well as a new XXXX  on my credit report filed XX/XX/2021. Experian 's reporting of this XXXX  and the prior XXXX are costing me a lot!
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (CA)

I recently checked my credit report, and I noticed that there is inquiries that it's not authorized by me. Those inquiries show on my credit report by somebody who has my information and try to open up a credit cards. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-02
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: EQUIFAX, INC. (FL)

In accordance fair credit report act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality act 15 usc 1681 Account : XXXX XXXX  # XXXX Account : XXXX XXXX XXXX # XXXX Account : web XXXX XXXX XXXX # XXXX Account : XXXX  # XXXX Account : XXXX XXXX # XXXX Account : XXXX dept of ed # XXXX Account : XXXX XXXX # XXXX Account : XXXX XXXX XXXX  XXXX Account : XXXX XXXX # XXXX Has violated my rights. 
15 u.s.c1681 602 section states I have the right privacy.

15 u.s.c1681 section 602 A section2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 u.s.c 1681c. ( a ) states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, any than records of convictions of crimes witch antedates the report by more than 7 years 15 u.s.c 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to consumer by any consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate