davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-09
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)

On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-12-04
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (NC)

I have XXXX XXXX accounts on my credit report ( XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX  XXXX and XXXX XXXX XXXX ). I have made several attempts to dispute these charges because when i called the collection agency ( XXXX XXXX ) they very first told me i was no longer obliagted to pay and try to settle the debt and sent me formal letters of deletion in the mail. However, i can not find these letters. That was XX/XX/XXXX. Just recently on XX/XX/XXXX i attempted to call XXXX XXXX because this is the address that shows up on my credit report as lender info however the representative told me there was no record of collection agency that it was sold to and that it normally sells to XXXX XXXX  so i called there. The representative at XXXX XXXX XXXX, when i gave her my social said that there is no information on file coming up by my social and that i would need to contact the legal department there on Monday morning. i should not have to carry around debt that i am not able to settle because my accounts can not be found anywhere
Consumer complaint received 2022-03-15
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc. (VA)

I enrolled in autopay with GM Financial for our leased vehicle loan. I was " kicked out '' of autopay 3 times without my consent. Each time I realized I was " kicked out '', I reenrolled immediately. My account was marked late 3 times and late fees assessed. It has affected my credit score significantly. 
I have a new GM Financial lease now and it is proving to do the same thing. I think they either have a faulty system OR they are purposefully trying to collect late fees.
Consumer complaint received 2024-03-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/year> I requested to have my XXXX XXXX account balance ( {$2900.00} ) XXXX  out in reference to the document I submitted to XXXX and TransUnion credit agencies. Both agencies refused to make the corrections to my credit report. XXXX XXXXe and I no longer do business together ; balance shown on credit report was paid off XX/XX/year>. 

I am willing to submit the documents as needed.
Consumer complaint received 2022-02-09
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: DISCOVER BANK (NY)

I Am a federally protected consumer. XXXX was notified of a dispute of account with Discover Bank Account number XXXX pursuant to 15 USC 1681a, ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. XXXX HAS FAILED TO DISCLOSE AND PROVE THEY HAVE HAD PERSONAL INTERVIEWS WITH MY NEIGHBORS OR FAMILY, under 15 USC 1681 ( a ) ( 4 ) i have a right to privacy i ask this account be removed from my consumer report... ACCORDING to 15 USC 1681b ( 2 ) STATES YOU HAVE TO HAVE WRITTEN CONSENT FROM I THE CONSUMER TO EVEN FURNISH SOMETHING ON MY REPORT THAT IS IDENTITY THEFT .... Any Negative marks need to be deleted ACCORDING TO 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) THERE SHOULD BE NO INFORMATION SOLELY AS TO TRANSACTIONS OR EXPERIENCES BETWEEN THE CONSUMER AND THE PERSON MAKING THE REPORT ALL TRANSACTIONS BETWEEN I AND XXXX XXXX SHALL BE DELETED PURSUANT TO 15 USC 1681c-2 I CALL FOR A BLOCK TO ANY INFORMATION ON THIS ACCOUNT WHICH RESULT FROM IDENTITY THEFT
Consumer complaint received 2022-03-15
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (SC)

Hello, I am sorry to write again about Wells Fargo. 
I was in mediation with Wells Fargo mediator XXXX XXXX and an independent mediator that Wells Fargo paid for. 

XXXX XXXX information me that I applied for home equity over the phone and he has records of this. 
I was not happy with XXXX XXXX and I asked him for the person to speak with about his findings. He gave me XXXX XXXX name and I called her about this. 
XXXX XXXX wrote back to me that XXXX XXXX findings are correct and we did apply on the phone. 
XXXX XXXX from the same department as XXXX XXXX said that we applied online internet application. 
I want to do mediation again as XXXX XXXX was not been honest in his findings. 
There is a federal law against banks lying to customers. 

Regards, XXXX XXXX
Consumer complaint received 2022-03-15
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: Experian Information Solutions Inc. (TX)

To Whom It May Concern, XXXX XXXX XXXX online services keep kicking out automatic draft. They have change there website. This cause my account to have its first ( 1 ) 30 day late. I have never been late. This was not my fault. I need 30 day late on credit report remove. This is a Billing process error on XXXX side. 

Im very upset about this confusion. Please delete ... ..I already notified XXXX.
Consumer complaint received 2022-03-15
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: EQUIFAX, INC. (TX)

To Whom It May Concern, XXXX XXXX XXXX online services keep kicking out automatic draft. They have change there website. This cause my account to have its first ( 1 ) 30 day late. I have never been late. This was not my fault. I need 30 day late on credit report remove. This is a Billing process error on XXXX side. 

Im very upset about this confusion. Please delete ... XXXX.I already notified XXXX.
Consumer complaint received 2022-02-09
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: EQUIFAX, INC. (CA)

My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES and/or bankruptcy from my credit report immediately.
Consumer complaint received 2022-02-09
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. (CA)

My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES and/or bankruptcy from my credit report immediately.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 


I told XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name XXXX Account # : 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  # XXXXXXXX XXXX XXXX XXXX XXXXXXXX, However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-03-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

To Whom It May Concern, XXXX XXXX XXXX  online services keep kicking out automatic draft. They have change there website. This cause my account to have its first ( 1 ) 30 day late. I have never been late. This was not my fault. I need 30 day late on credit report remove. This is a Billing process error on XXXX side. 

Im very upset about this confusion. Please delete ... ..I already notified XXXX.
Consumer complaint received 2022-02-09
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. (GA)

I have two inquiries on my credit report without an active account connected to them. One of the accounts is from XXXX XXXX credit card that was created on XX/XX/XXXX and the account reports closed. The other account is from XXXX XXXX XXXX created on XX/XX/XXXX. I never gave consent to either of the companies to initiate a credit transaction that created the inquiries. I contacted Equifax credit solutions and they instructed me to file a FTC report and FTC.gov transferred me to CFPB to make my complaint. Hopefully this gives a full and clear understanding to my dilemma that needs your urgent attention. I have attached a copy of a highlighted copy of the credit report with the specified items that needs to be deleted. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX
Consumer complaint received 2024-03-06
Product: Credit reporting 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)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-12-04
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. (OH)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXXXXXX Account # : XXXX Account name : XXXX XXXX XXXX ( Original Creditor : XXXX ) Account # : XXXX Account name : XXXX XXXX Account # : XXXX Account name : XXXX Account # : XXXX Account name : XXXX XXXX XXXX Account # XXXX Account name : XXXX XXXX Account XXXX : XXXX Account name : XXXX XXXX XXXX Account # : XXXX Account name : XXXX XXXX XXXX Account # : XXXX Account name : XXXX Account XXXX XXXX XXXX Account name : XXXX XXXX XXXXXXXX Account # : XXXX Account name : XXXX XXXX XXXX  XXXX Account # : XXXX Account name : XXXX  Account # : XXXX Account name : XXXX XXXX XXXX Account # : XXXX Account name : XXXX XXXX Account # : XXXX Account name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) Account # : XXXX Account name : XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account # : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Theses companies and accounts have been going against my rights and violation as a consumer this is unconstitutional. I have rights and the above accounts without consent and I am being harassed and denied by banks and extension of credit for a debt I do not owe or have not been proven I owe I also understand if a company is reporting a charged off account to your credit report a 1099-C must be flied I haven't received any tax returns from this company I am asking that these accounts be reinvestigated and deleted off of my credit report immediately. I do not owe theses debts and I am requesting a cease and desist immediately.
Consumer complaint received 2022-03-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

in according to fair credit reporting act XXXX, account # XXXX has violated my right 15 U.S.C 1681 section 602 A state have a 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 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.
Consumer complaint received 2022-03-15
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. (NV)

Do to the fact that on going complaint and in unauthorized inquirys 2 of them from XXXX XXXX dropping my XXXX over a 100 points disqualifying me for a mortgage/ I have retained a attorney with the facts ongoing CFPB has been dragging there feet and feel now in my best interest to come after both with law suit
Consumer complaint received 2022-02-09
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Santander Consumer USA Holdings Inc. (FL)

In XX/XX/XXXX, I purchased a XXXX XXXX truck from the website " XXXX '' and opted to finance my auto loan through Santander bank. The monthly payments were {$500.00} with 10.1 % APR. The paperwork I received was through XXXX, not Santander. 

I was moving from New York to Florida that month, so I was told to register the truck in Florida. I did and ensured all contact information was correct for my Florida address. Several months later, I had moved to Florida, started a new job, and invested a lot of money into my new truck. 

In XXXX, my new employer 's check didn't go through and I could not cover the XX/XX/XXXX payment. I called Santander bank to inform them and they told me that was okay. We agreed that I would make the XXXX and XXXX payments on XX/XX/XXXX. The representative did not tell me this would impact my account status. No further letters, emails, or calls were received. 

The night of XX/XX/XXXX, my truck was in my private parking spot with my {$800.00} kayak in the back. After midnight, a tow truck came and repossessed my vehicle with all of my belongings. When I called the police the next morning thinking my truck had been stolen, it was to my extreme surprise that it had been repossessed, despite what I agreed upon with Santander. 

When I called to work out a payment plan/pay any fees associated, I was told that there was no way to escalate this issue and no options were available to me, besides to pay {$28000.00} within 14 days. I called many times trying to resolve this issue without my credit being destroyed. No one could help, no one could explain why I hadn't gotten correspondence or why I hadn't been offered to voluntarily release my vehicle to the bank. 

Now my truck is going to auction, I have no transportation to my job, I will have had more than {$10000.00} in losses, and my credit will be ruined for years. I have been in Florida for 3 months. Santander bank is practicing predatory auto lending.
Consumer complaint received 2024-03-05
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. (VA)

I was reviewing my credit report and see that its fraudulent activity reporting. Please remove immediately XXXX XXXX XXXX {$230.00} XXXX XXXX {$1400.00} XXXX XXXX XXXX {$570.00}
Consumer complaint received 2022-03-15
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. (NV)

Do to the fact that on going complaint and in unauthorized inquirys 2 of them from XXXX XXXX dropping my XXXX over a 100 points disqualifying me for a mortgage/ I have retained a attorney with the facts ongoing CFPB has been dragging there feet and feel now in my best interest to come after both with law suit
Consumer complaint received 2019-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ENCORE CAPITAL GROUP INC. (FL)

I have tried to contact both agencies without no information from either one of them no account number no account when it was open no count who opened it and when was it open when was it closed neither one of them talks to me I will give me any information thats my dilemma