davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX  and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, Trans Union or XXXX respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary XXXX score has gone too far, including but not limited to XXXX  XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Consumer complaint received 2018-06-22
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. (VA)

CFPB : REPORTING ONGOING TECHNICAL PROBLEMS WITH EXPERIAN CREDIT AGENCY 'S WEBSITE & AUTOMATED PHONE SYSTEM FOR AT LEAST THE PAST 3 DAYS WHILE ATTEMPTING TO LIFT A CREDIT FREEZE TO REFINANCE A CAR LOAN ( + PREVIOUSLY EXPERIENCED THE SAME ISSUES IN XX/XX/XXXX/XX/XX/2017 WHEN ATTEMPTING TO PLACE A FREEZE ON MY EXPERIAN CREDIT FILE ). TOOK MULTIPLE DAYS + UNSUCCESFUL WEB PORTAL + PHONE ATTEMPTS TO ACCOMPLISH THAT FREEZE STEP AS WELL.

THAT FREQUENT + UNEXPLAINED INACCESSABILITY TO THE CONSUMER IS UNACCEPTABLE.

CURRENTLY MANY CONSUMERS HAVE NO RELIABLE OR TIMELY WAY TO CONNECT TO LIVE PERSON BY PHONE / WEB PORTAL OR HQ FAX ( " no answer '' ) TO NOTIFY EXPERIAN OF A WEB GLITCH + NEED FOR LIVE CUSTOMER ASSISTANCE. THE WEBSITE PORTAL THEY HAVE TO FREEZE OR UNFREEZE YOUR CREDIT FILE GIVES BELATED + VAGUE ERROR MSGs THAT SAY " UNABLE TO VERIFY YOUR IDENTITY BASED ON THE INFORMATION GIVEN '', OR " UNABLE TO PROCESS THIS REQUEST AT THIS TIME, '' EVEN WHEN ALL PERSONAL SECURITY DATA ENTERED IS ACCURATE, VALID, FACTUAL, + CAREFULLY ENTERED.

ALSO THEIR " FILE UPLOAD '' WEB PORTAL TO ELECTRONICALLY SUBMIT PROOF OF ID DOCUMENTS IS ALSO NOT FUNCTIONING PROPERLY. IS GLITCHY + CURRENTLY REJECTS ALL DOCUMENT UPLOAD ATTEMPTS EVEN IF 1 PAGE + THE FILE COMPLIES WITH THE FORMAT REQUIREMENTS. SO AS A RESULT, IT IS CURRENTLY VERY DIFFICULT FOR A CONSUMTER TO EASILY + TIMELY VERIFY THEIR ID TO OBTAIN FURTHER ASSISTANCE.

ALSO THE EXPERIAN CONSUMER TOLL-FREE PHONE AUTOMATED SYSTEM IS FULL OR JUST NOT FUNCTIONING PROPERLY THE LAST 3 DAYS AT LEAST. 1 CALL IN 50+ ATTEMPTS MADE IT THRU ( AT ALMOST XXXX ET ). THAT'S UNACCEPTABLE. THE LIVE REP. I SPOKE WITH BRIEFLY TO HELP RESET MY FREEZE PIN TO LIFT MY CREDIT FREEZE AT ALMOST XXXX   DIRECTED ME TO UPLOAD PROOF OF ID ON THEIR WEB PORTAL, WHICH OF COURSE, REJECTED ANY ATTEMPTS TO UPLOAD THE REQUIRED FILES ( SEE ABOVE COMPLAINT ).

*THE EXPERIAN AUTOMATED CONSUMER PHONE LINE PROMPTS YOU TO FIRST ENTER YOUR SSN BEFORE BEING TRANSFERRED TO LIVE ATTENDANT, BUT IT CUTS YOU OFF/ DISCONNECTS/ REPEATEDLY SAYS " SORRY I DIDN'T GET THAT '' BEFORE YOU FINISH ENTERING ON THE PHONE KEYPAD OR SAYING YOUR 9-DIGIT SSN ( CLEARLY + PROPERLY ) + THEN IT HANGS UP ON YOU AFTER 3 TRIES. RIDICULOUS RUN AROUND + WASTE OF TIME + STRESSFUL INTERACTION ATTEMPTS WITH THIS AGENCY.

UNBELIEVABLE FRUSTRATION UNNECESSARILY CAUSED BY THESE ONGOING ACCESS ISSUES.

PLEASE INVESTIGATE THIS MATTER SINCE THE CONSUMER HAS NO WAY CURRENTLY TO EARLY REPORT THESE MAJOR ACCESS PROBLEMS OR TECHNICAL GLITCHES IN ANY REASONABLE WAY. I'M ASKING FOR YOUR HELP TO GET THIS MESSAGE THROUGH TO SOMEONE IN UPPER MANAGEMENT AT THIS POWERFUL CREDIT AGENCY WHO IS RESPONSIBLE FOR ACCOUNTABILITY TO THE CONSUMER. THEY NEED TO FIX THESE CONSUMER ACCESS OPTIONS ASAP!! TY.
Consumer complaint received 2017-02-10
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Solomon and Solomon, P.C. (NY)

I can not afford to pay such a large amount. I do n't recall the details of this debt. A more reasonable amount and better explanation of the details of this debt would help me to understand and/or pay it.
Consumer complaint received 2016-02-19
Product: Debt collection — Auto
Issue: Communication tactics — Frequent or repeated calls
Company: Reliant Financial Corporation (CA)

I have actually had this company call me repetitively and harass me the company 's name is XXXX they are A auto financing company which I unfortunately have to do business with this company is the worst company that I 've ever seen their reviews on XXXX and XXXX are horrible and I understand why I have been harassed and called countless times in a row by these people I 've also had XXXX of their supervisors call me from her actual cell phone not stating who she was They 've also send me mail stating that my account has added fees now because of not having insurance on my car which is false because my car has been insured since the beginning of the loan and full coverage like any financing company would ask for
Consumer complaint received 2021-04-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (CA)

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. The following item does not belong to me and is a result of fraud that I did not authorize : 1. XXXX XXXX XXXX # XXXX 2. XXXX # XXXX 3. XXXX XXXX # XXXX 4. XXXX XXXX XXXX # XXXX I attempted to contact Experian twice to dispute these accounts, one letter dated XX/XX/2021 and the second one dated XX/XX/2021. However, I was never provided with any logical explanation or proper validation. 

Please reinvestigate and remove these accounts immediately. Thank you.
Consumer complaint received 2018-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

Could you please help me, 1- I had a mortgage loan with XXXX XXXX which was paid in full after refinancing on XX/XX/2016. ( Loan Number XXXX ( Property Address XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX ). 

2-Upon reviewing the 3 credit bureaus I found the home loan to be listed as late on XX/XX/2016. 

3- I have contacted the Customer Care Department at least 4 times but XXXX XXXX keeps giving me the same Letter indicating the loan was reported paid off and due for XX/XX/2016 the 3 credit bureaus need to resolve the discrepancy accordingly. I do not know what action to take any longer. I even asked for XXXX XXXX upper management for help ( XXXX XXXX XXXX XXXX ). Please see the XXXX XXXX letter below.
Consumer complaint received 2024-02-21
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. (TX)

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. 

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts below : Account name : XXXX XXXX XXXX  Account number : XXXX I dont have full account but I put the numbers reporting on my credit report 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 suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Consumer complaint received 2020-07-18
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Southern Auto Finance Co (FL)

Basically I have a 30 day lateness on my Credit Score from XX/XX/XXXX 
This 30 days lateness happened at the height of the Corona Virus pandemic. At the time I was XXXX XXXX believing that I had the XXXX. Which due to my illness prohibited me from working. Later I found out that I had all the symptoms of the XXXX XXXX. I called and spoke to a representative in regards to my 30 Late payment. In hope of having my Creditor removing the 30 days late payment. 
After speaking to a supervisor from my Credit Union, I was informed that they WEREN'T able to help me. Unfortunately the 30 days lateness due to my illness of the XXXX XXXX   has put me in a huge jam. Especially since I had plans on purchasing a house at the end of the year. The 30 days lateness on my credit report has damaged my chances of buying a house at the end of the year. Since my 30 days late reporting, my score dropped at least 200 points. So please I would appreciate your help in assisting me with removing the 30 days lateness from my Credit Union. 

Thanks
Consumer complaint received 2018-03-14
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Diversified Consultants, Inc. (FL)

On XX/XX/XXXX, I had service installed with XXXX XXXX. I was unhappy with the service provided and on XX/XX/XXXX I called to discontinue my service. XXXX sent final billing statement dated XX/XX/XXXX- XX/XX/XXXX requesting that I remit a payment for {$110.00}. I've made several attempt to discuss and disputes amount with creditor and debt agency the charges are incorrect. I should only be charge for days of service use not entire month of service.
Consumer complaint received 2018-06-23
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. (FL)

Could you please help me, 1- I had a mortgage loan with XXXX XXXX which was paid in full after refinancing on XX/XX/2016. ( Loan Number XXXX ( Property Address XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX ). 

2-Upon reviewing the 3 credit bureaus I found the home loan to be listed as late on XX/XX/2016. 

3- I have contacted the Customer Care Department at least 4 times but XXXX XXXX keeps giving me the same Letter indicating the loan was reported paid off and due for XX/XX/2016 the 3 credit bureaus need to resolve the discrepancy accordingly. I do not know what action to take any longer. I even asked for XXXX XXXX upper management for help ( XXXX XXXX XXXX XXXX ). Please see the XXXX XXXX letter below.
Consumer complaint received 2018-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Could you please help me, 1- I had a mortgage loan with XXXX XXXX which was paid in full after refinancing on XX/XX/2016. ( Loan Number XXXX ( Property Address XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX ). 

2-Upon reviewing the 3 credit bureaus I found the home loan to be listed as late on XX/XX/2016. 

3- I have contacted the Customer Care Department at least 4 times but XXXX XXXX   keeps giving me the same Letter indicating the loan was reported paid off and due for XX/XX/2016 the 3 credit bureaus need to resolve the discrepancy accordingly. I do not know what action to take any longer. I even asked for XXXX XXXX upper management for help ( XXXX XXXX XXXX XXXX ). Please see the XXXX XXXX letter below.
Consumer complaint received 2020-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Aargon Agency, Inc. (NJ)

XXXX-current {$2200.00} I have requested verifiable proof from this company showing that I am liable to them for the debt they continuously post on my credit report as delinquent. I have disputed this account through each of the credit bureaus. It has been removed from my XXXX  report but remains on the other two reports. I also sent a letter to ( XXXX XXXX XXXX, XXXX XXXX, NV XXXX ) the company XX/XX/2020 again attempting to have them solidify the debt as being mine and that I specifically owed them. They have two different addresses listed to reach them. One of the letters I sent  was returned even though I sent it to the address they are reporting on my credit report under. I sent another letter on XX/XX/2020 requesting the same information to another address ( XXXX XXXX XXXX XXXX, XXXX XXXX, NV. XXXX ) and it was received by the company. I have yet to receive a response from this company and the debt remains on my credit profile. I have attached a copy of the letters I sent to dispute this debt with them.
Consumer complaint received 2022-09-12
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: OLD NATIONAL BANCORP (MI)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXXXXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXXXXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXXXXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXXXXXX # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, OLD NATIONAL BANK # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX  XXXX, XXXX # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX  CREDIT # XXXX 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 XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions In accordance with the Fair Credit Reporting Act, XXXX XXXX  XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXXXXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX BANK XXXX # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, OLD NATIONAL BANK # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXXXXXX, XXXX # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX  # XXXX 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 XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions The following accounts are all fraud and need to be deleted from my credit report immediately.
Consumer complaint received 2021-02-27
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Paramount GR Holdings, LLC (CO)

They were not suppose to fund the loan until the project was completed. They funded a solar panel loan in XXXX of 2020 and the project is still not complete. I have no way to pay this loan for an incomplete project and pay the power bill. They are refusing to work with me on this. They also keep attempting to pressure me into a home mortgage refinance even though I have told them to stop several times.
Consumer complaint received 2018-03-14
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)

Disputed incorrect information through three credit reporting agencies and creditor, XXXX continuously reported back more incorrect dates and balances on a charged off account. Date of first delinquency was in XXXX. XXXX is reporting this now as if this was charged off in XXXX, XXXX, XXXX. In some places reporting payment history which did not occur or reporting continuous billing of interest charges on a charged off account. 

THIS CHARGED OFF COLLECTION ACCOUNT WAS INCLUDED IN MY DEBTOR LIST AND LIST OF DEBTS DURING FILING IN XX/XX/XXXX OF BANKRUPTCY WHICH WAS DISCHARGED IN COURT IN XX/XX/XXXX XXXX keeps violating FCRA policy by misreporting and advancing dates intentionally re-aging this debt and extending the time reported negatively on credit file. 

In addition, this item was a private loan, charged off collection account. Not a federal student loan. I was able to work out terms on my federa loans but no options were available on the private loan that has bounced from collector to collector incurring {$40000.00} in interest charges. I can not get XXXX to verify the date of first delinquency which occurred in XXXX. They keep reporting different dates.
Consumer complaint received 2018-06-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Cap One has decided to block my account access and restrict me from using my hard earned funds. They said it's due to some things called XXXX XXXX XXXX. This was after I got the card and was encouraged to fund the account. I now have no money because they ares holding cleared money for no reason.
Consumer complaint received 2023-07-28
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: JPMORGAN CHASE & CO. (GA)

I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. i have tried several times to get these accounts removed. Let alone, my information was in an XXXX & XXXX data breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation of my character, and this is a federal law violation. According to, 15 U.S.C. & 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agencies to promote my privacy and fairness and they have not. This is not right and goes against my federal consumer rights. This is causing emotional and mental stress as of now. Also, it is illegal these companies should NOT be furnishers of people 's information to 3rd party companies, so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can get sued for these damages. This is negatively affecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing litigation against this if these items are not removed, immediately.
Consumer complaint received 2018-06-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: WELLS FARGO & COMPANY (GA)

I attempted to transfer funds from XXXX XXXX to Wells Fargo using XXXX. the recipient is affiliated with two accounts at Wells Fargo. Account " A '', a joint account and " B '' a  personal account. The funds went to the joint account NOT the personal account that I would have sworn I designated. The transactions were attempted through XXXX on XX/XX/XXXX {$300.00}, the XXXX {$1000.00}, the XXXX {$1000.00}, XXXX {$1000.00} and the XXXX {$500.00}. Upon seeing the {$3800.00} in the joint account his wife decided that half was hers and took {$1900.00}.
Consumer complaint received 2020-07-18
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (MA)

closed home equity line mid 2018 ; line matured after twenty years, always paid as agreed, still showing on monthly bank statement, inquired this week, XX/XX/XXXX, told we owed {$100.00} to release lien ; news to us, never received a bill, never a problem ... ... 

Currently, a number of problems with Santander, applied three times to restore home equity line, withdrew the first app because of fees ; bank treated it as a decline, next two declines spurious ; suspect Santander expects defaults from existing borrowers, does not want to add to exposure ; has already suspended dividend, stock plummeted to 2 ; now concerned that their ridiculous stringency impairs my wife 's and my credit rating.

Am inclined to pay the {$100.00} lien release fee ; but I want  assurance, no more funny business from these clowns, plus, thought I should share our recent experience ; you may want to shut their home equity line operation down until they get their other credit/default problems resolved. XXXX XXXX XXXX