davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I have called TransUnion, XXXX, XXXX  and was put on hold multiple times before they hung also stating they could not provide agent number after i informed them i was recording the conversation as well. After stating consumer rights and 15 USC 1592, 18 UCS 8, 15 USC 1681ae, have been violated no doors were knocked on to verify.
Consumer complaint received 2023-04-04
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (CA)

Good day, Please note the below story for why I left my apartment XXXX month early in 2020. The XXXX send me a letter and negatively dropped my credit that same year ( 2020 ) and I challenged it and they resolved it. Now 3 years later and I am receiving the same letters despite attempts to challenge again. 

- Sending a Debt Collector breaks The COVID-19 Tenant Relief Act ( SB 91 ) in California as I am within this right at the time I departed my apartment. 

The story : - I have moved out of my apartment ( XXXX XXXX ) at the beginning of Covid due to being furloughed from my job. 

- I moved out XXXX month early, and it was agreed upon with XXXX XXXX that my security deposit and my Pet deposit would be forfeited and I would not be responsible for the lease being broken slightly early. 

- A few months after this, my credit score dropped a large amount which I instantly challenged with the above reasoning. 

- This was investigated and removed from my credit score and my credit returned to where it was previously. 

- Now, 3 years later, I am doing the same thing again. This was resolved and in 2020. 

Thank You, XXXX
Consumer complaint received 2021-06-29
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: HUNTINGTON NATIONAL BANK, THE (OH)

Fiance tht is in the united states XXXX sent me money via check to pay for furniture the bank deposited the check and then said three days to clear an let me borrow XXXX XXXX an then sent the check back to other bank which caused me go incurr a overdraft and now il b evicted and or homeless they r not willing to work with me and neither is social security
Consumer complaint received 2017-04-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: American Accounts & Advisers, Inc. (MN)

I have reviewed the statements that were sent by  XXXX   XXXX  on  XXXX / XXXX /  XXXX  .   First of all, you have violat ed HIPAA on m ultiple accounts for myself and minor children. My requests have specifically ask ed American Account & Advisors ,   Inc. to p rovide a signed contract between myself and  American Account & Advisors , Inc. pro ving that I owe this debt to you. Never have I asked for verification of service.   Secondly, there is a discrepancy between the statements you sent me and what you are reporting on my credit report. The amounts and number of accounts does not match. You are in violation of reporting the credit bureau inaccurate information.   Third of all, these dates of services were included in my bankruptcy and should not have been sent to collections. I have attached my discharge papers.
Consumer complaint received 2021-06-28
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. (IL)

This letter is a formal complaint that Credit Bureau has reporting inaccurate and incomplete credit information. I am distressed that they have included the information below in my credit profile and that you they failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 
1. The following information is outdated. Balance is wrong. Date of opening is wrong. I would like it removed from my credit history report XXXX Account Number : XXXX I was never late on this account. Please ensure that all information is accurate
Consumer complaint received 2018-02-01
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc. (NJ)

I am the CO- SIGNER on the lease through GM Financial. The customer of the lease on more than one occasion has not paid her lease on time or in full and quite often owes late fees and other overages. I had contacted GM Financial since they are the owner of the vehicle asking that I also be notified of any late payments right away so that I can remedy the situation, but to no avail. I called them on XX/XX/2018 on or around XXXX XXXX  to ask them again why they are waiting almost two to three months before notifying me of late or overdue payments. They clearly stated that the co- signer of the lease doesn't receive any type of notification at all and that's it's my job to check up on it. However, the said lease would NOT have happened AT ALL without the co-signer. I simply asked to be notified immediately so that I could remedy the subject situation, and they said, " Sorry we don't do that here. '' I asked for them to send me paperwork so that I could take over the payments of the vehicle and they said, '' We don't do that here. '' Yet, they OWN the vehicle. They refused to help me at all but said that they would gladly take a check from me for the overage payments. They told me that the co-signer isn't their customer and that they aren't concerned about my credit score.
Consumer complaint received 2017-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

XXXX XXXX I tried to remove a fraud alert on my file. It told me to call in. Upon calling I was told to mail a request including proof of address, identity, and social security number. This was mailed XXXX XXXX. As of today I still have not heard anything back from TransUnion.
Consumer complaint received 2022-10-25
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. (CA)

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block this item listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law Please remove/block this account as they are fraudulent & were opened without my consent or knowledge XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/2011 Balance : {$0.00}
Consumer complaint received 2023-05-25
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. (KY)

There is a collection account on my XXXX, XXXX, & TRANSUNION credit reports that I didn't recognize. I disputed it with the collection agency, requesting proof of debt validation. They provided a statement that is addressed to a business with my name and the business 's address displayed below my name. This is clearly a business debt, however, this debt is reported on my personal credit reports, reporting to all 3 credit major consumer credit reporting bureaus. I sent the statement provided to the XXXX major credit reporting agencies and they agreed that the debt is validated which it is not. The statement provided is showing no transaction history, only interest reported, for a short period of XXXX. I did not authorize this debt to be reported on my personal consumer credit reports. I will like this debt permanently removed.
Consumer complaint received 2018-03-26
Product: Mortgage — Conventional home mortgage
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: LD Holdings Group, LLC (MI)

Loan depot called about an inquiry of refinancing my home. After talking for a bit they asked to pull and take a quick look from my credit just to look at the score. Company ended up pulling a full report with out permission including all of the current loans I have out. After opting out of their services they still send paperwork to move forward with their loan which I did not agree too.
Consumer complaint received 2022-09-09
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. (MO)

It appears that my credit with the Credit Bureaus has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the Credit Bureaus are required by law to remove any information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for the Credit Bureaus and the bank 's records. Please remove these files. If the Credit Bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature. If the Credit Bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. So please comply with the law so this matter can be handled swiftly. Once again, I am requesting to please remove the following items completely from my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Medical XXXX Balance Owed : {$240.00} Medical XXXX Balance Owed : {$220.00} XXXX  Inquiry Date XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-04-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (NJ)

In XX/XX/2020, I was recognized in NJ as a 100 % XXXX veteran so I have no property taxes from XX/XX/2020 until forever. I notified Mr Cooper mortgage immediately of the change so that my escrow payments could be reduced. 

In XXXX I checked my escrow and Mr Cooper had failed to make any changes to reflect the fact that I did not have to pay taxes. I again sent them proof to an email address they gave me. I also resent the documents to a Mr Cooper employee 's email address. 

In XXXX, after pandemic forbearance I checked again. Still, Mr Cooper has not remedied the matter. My mortgage payment is indicated at {$2700.00} per month which reflects about {$850.00} for real estate tax escrow. 

I have called several times, messaged them several times and re=sent to proof of no taxes but still no change. I have not paid the XXXX mortgage payment because it is about {$850.00}. more than it should be.
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (LA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

I'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 
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 XXXX XXXX XXXX
Consumer complaint received 2017-11-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY (MD)

I had an American Express platinum card. In XXXX, the card was closed. During every month a payment was made. I recently accessed my credit report and it shows to two reporting agencies that the account is delinquent. However, there are no past dues, no late fees, etc. The account is current per my statements. I have requested several times to American Express to help fix this to no avail. On XXXX XXXX, XXXX I spoke to American Express to get my account number as my credit report and the account number on the report do not match. I spoke to XXXX, ID # XXXX who said that American Express could not give me that number and would not give me that number. I have paid all bills open with American Express and should have the opportunity to get my own information to correct my own credit report. I request that the delinquent account status be removed and I be given all information about my own account.
Consumer complaint received 2017-04-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (IN)

Navient failed to communicate with me about my student loans. As a result, my loans went into default. I have since consolidated my loan, but took a hit to my credit score, in addition to interest penalties as a r esult.
Consumer complaint received 2018-02-01
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Atlanticus Services Corporation (NH)

I told the lady I was filing a complaint and she almost laughed over the phone at me because I was asserting my rights. All I was trying to buy was a {$350.00} futon. I get more than enough XXXX to afford it but Im trying to repair my credit. According to the email they sent me I was denied for insufficient income/Low income. According to the FTC website they can not knowingly and willingly deny me credit since my income is guaranteed and it comes from XXXX payments. 

The FTC website also states I can pursue a cause against the company in federal district court for a claim of discrimination and recover punitive damages. I am thinking seriously about it. If theyve done it to me theyve done it to someone else. A violation of this matter the s also a possibility violation of civil rights. For everyones information : to bring a suit in federal district court you need to ask for at least {$75000.00} in damages. 

Regardless how this turns out I will write a notice on XXXX review and XXXX  warning them to stay away at all costs. That you must need to make {$50000.00} to be able to buy from there apparently. The poor and XXXX XXXX arent wanted.
Consumer complaint received 2017-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (SC)

I 'm in compete disbelief at the lack of credibility that this bureaus holds. I have submitted a multitude of disputes with evidence " validating '' my finds and indicating Equifax 's discrepancies. Without a shadow of a doubt you have confirmed your lack of wherewithal and utter failure at upholding the FCRA standards of practice 611 ( a ) ( 5 ) ( A ) ( i ). To state your investigation practices are blatantly incompetent is an understatement. I submitted a dispute roughly around XX/XX/XXXX. I am just now being notified of the results. The results are a complete contradiction of not only another investigation Equifax conducted but of the actual " debt collector '' falsely claiming I owe them. On XX/XX/XXXX XXXX XXXX informed me they have NO record of my debt and will be notifying you. So what investigation did you conduct? Who did you contact? What verification code did you issue, to verify your findings? At this point, it is very clear your response will be false on a number of plateaus. Please be advised, under the 15 U.S. Code 1681i, all unverified accounts must be deleted. Therefore, if you are unable to provide me a copy of validated proof that you have on file for EACH account listed on my report. You must REMOVE these accounts immediately. Upon doing, so I am requesting an updated report demonstrating the necessary corrections.
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. I need the following accounts to be updated from my file right away XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-04-24
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. (CA)

I am filing this complaint because Equifax deleted SEVERAL accounts from my credit profile per my last dispute, and after checking my account today, those accounts that have been flagged as " This item has been deleted from the credit file '' still remain. I am attaching a copy of the investigation results that notate EVERY account that needs to be, and should be deleted IMMEDIATELY!   Per FC RA 611, Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ], Req uirements relating to reinstatement of previously deleted material.   Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to sub-paragraph ( A ), the information may not reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate.   If any information that has been deleted from a consumer 's file pursuant to sub-paragraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later tha n 5 bus iness days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Additional information. As part of, or in addition to, the notice under c lause ( ii ),  a consumer reporting agency shall provide to a consumer in writing no later tha n 5 busi ness days after the reinsertion date.   ( I ) a statement that the disputed information has been reinserte d ; ( II ) the  business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; a nd ( III ) a not ice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information.   I did not receive this required notification. In essence, this is a serious violation of the FCRA. I may choose to exercise my right to pursue further action. I INSIST that you immediately delete this listing from my credit report if you would like to avoid me moving forward with my said rights.
Consumer complaint received 2017-11-09
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Byrider Franchising, LLC (NC)

I am contacting you because I believe that I am paying too much for a used car. I brought a XXXX XXXX XXXX for XXXX from JDBYRIDER in XXXX. The car had XXXX miles on in when I brought it. They have recently moved to XXXX. When I brought the car home, it was hard for me to turn it back on. I went to them and I needed a cam sensor. The sales associate assured me that everything on the car was in good condition. The car had bad tires and rotors, which I told them about when I took the car to get the cam sensor changed. They told me nothing was wrong. I went to get my brakes checked and they told me there was nothing wrong. When I looked at the brakes they were almost gone, so I changed them and my rotors. I also bought the car with a broken side mirror and told them about it, but they said I would have to pay for that. I told them I was not paying for that because it was broken when I brought the car. The sales XXXX XXXX said that it was not covered in my warranty. The mechanic looked at the mirror and said the bolts were broken. He said that I would have to pay XXXX dollars for the mirror and XXXX dollars to get it painted. I went to talk to the the sales associate that sold me the car and he said he knew nothing about it. The spark plugs needed to be changed because they were corroded and had oil on them. They put the wrong type of spark plugs in my car and it did not run right until I put the right ones in it. I told the mechanic that there is a loud noise coming from my car, which I told them to check the brakes and rotors and they told me there was nothing wrong and they denied me. when I changed my brakes and rotors, the front brakes were worn unevenly on the outer side. The rotors were rusted and were hard to come off. I told them that my dashboard vibrates when I accelerate or slow down really fast. They looked at it, but it still would make noise and vibrate. They do not put the work that they have done on people 's cars in the computer like they are supposed to. 
Furthermore, I am paying too much for this car and the payment do not seem to be going down. It has become hard for me to make the payments on the car and all the car company does is constantly call for money. They do n't care about what I am going through, they just want money. They do n't wan to reason with me at all. The car is not worth as much as I am paying for it. I think there is something else going on.
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>