davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (DC)

I have been searching for a car loan for the past six months - each time I have authorized a car dealership, including XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, to pull my credit, it results in multiple - 4-6 inquiries on my credit report since they insist that each auto finance company needs to pull its own report. 

If this is not illegal, it should be as it is causing irreparable harm to consumers. Each inquiry deducts two points from an individuals credit report and my credit report has fluctuated as a result. 

Since last fall, I have had more than two dozen inquiries from auto finance companies although I have only authorized four inquiries. I am requesting that this arcane, burdensome practice be ended. Further, I would like the credit reporting companies, Equifax, XXXX  and XXXX XXXX, to remove these inquiries from auto finance companies as I have requested in writing. 
In addition, XXXX XXXX insisted that they needed to pull my credit - resulting in another four inquiries - even after I presented them with an approval for auto finance from a company, XXXX XXXX XXXX XXXX, that they told me they are familiar with. They went further and said that even if I was paying cash for the vehicle and did not need financing, they still had to pull my credit report and insisted I authorized the inquiry before they would allow me to proceed further with the purchase. 

This should be illegal and is particularly deleterious to those of us who need to finance an auto purchase. Please end this practice immediately and instruct the credit reporting companies to treat multiple auto finance inquiries over several days as one, deducting just two points for auto finance reports pulled over 14 days ( if any ) rather than two per inquiry.
Consumer complaint received 2021-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (IL)

My bankruptcy per the bankruptcy court judge was to only remain on my credit report for a five-year period as agreed and entered into the judgment. This was due to the need of my bankruptcy being necessary due to the 2008 mortgage crisis. I have submitted eight disputes with Experian to have this removed per the court order. All other agencies like XXXX, XXXX XXXX and XXXX Have removed and agreed with the judgment. I have filed multiple disputes with Experian which then returns a generic/ typical algorithm answer of verified by third-party. They state information has been verified by third-party and identify XXXX XXXX XXXX the XXXX party. Sadly, XXXX has investigated and removed form my file but Experian wont acknowledge or accept for some unknown reason. XXXX has communicated this to Experian but the protocols they have in place simply dont work. I have sent them a copy of the letter. Horrible customer service and Im seeking your help in getting this removed from my credit file
Consumer complaint received 2020-11-16
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. (FL)

I recently sent letters over 60 days ago to Experian and they are disregarding a regular consumer disputes. I'm stressed and have been sending letters before this and still no response.
Consumer complaint received 2020-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I just want an account removed from my credit report. I have a letter from the collector stating they were requesting the account be removed from my report with all the credit bureaus on XX/XX/XXXX and to allow 30 days for the process to be completed. Instead, as of today it shows a {$0.00} balance and still on my report. I will forward you the letter and want it gone as it was supposed to be.
Consumer complaint received 2020-10-26
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (NC)

I have been trying to get into contact with the National Collegiate Trust, or NCT, in regards to coming to a settlement on my loan. They do no have any contact information available. The company that they use to service the loan, American Education Services, ( AES ) has refused to give me contact information for NCT. I have called and spoken to several supervisors, who have given me false contact information for some other bank - XXXX XXXX XXXX  - who have no idea why AES is giving out their number.

In short, I can't reach anyone to get any information or negotiate a settlement for my loan.

Furthermore, CFPB issued a lawsuit against NCT in 2017. 
https : //www.consumerfinance.gov/about-us/newsroom/cfpb-takes-action-against-national-collegiate-student-loan-trusts-transworld-systems-illegal-student-loan-debt-collection-lawsuits/ I have since been made aware that NCT has been the subject of multiple lawsuits, and that my loan may be eligible for discharge.

I would like for NCT to provide me with irrefutable proof of ownership of my loan. If they can not provide this proof, I am requesting dismissal of the loan, and repayment of any and all payments made by myself to them on a loan they have no legal ownership of. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX AES account # XXXX
Consumer complaint received 2022-08-12
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. (CA)

I disputed XXXX XXXX XXXX " XXXX XXXX XXXX CA '' with XXXX Experian, and XXXX due to not having any relation to this creditor. I applied at XXXX XXXX and they ended up not signing the lease and pursing with my residence. Yet, they decided to report a balance on my credit report. I have ask all three credit reporting bureaus to review my documents that I mailed to both XXXX  and Experian. I listed all relevant documents that prove. I have no relations to XXXX XXXX. Experian did not conduct a through investigation and did not provide the results in writing like I requested in numerous letters. They updated my credit report as the issue was resolved and that the creditor provided a certification to them that the information was accurate. No documents were provided that backed up their claim.
Consumer complaint received 2020-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Mr. Cooper Group Inc. (NY)

Upon reviewing my credit score earlier this month ; I saw that Mr. Cooper ( Nationstar DBA ) mortgage company reported an additional mortgage/ loan to my account and to my credit score. This error has decreased by credit score by 66 points. I work very hard to maintain that credit score and pay my bills on time. I have spoken to representatives from Mr. Cooper several times. When I spoke to a XXXX today she confirmed that between the months of XXXX and XXXX that their was a massive error on their behalf reporting incorrect information in regard to loans and credit reporting. I now have apparently wait fir their internal investigative department to research and clear the error. I need this error to be removed from my loan and from my credit score. I also need my credit score to be reinstated to its most recent numerical value prior to this error on their behalf.
Consumer complaint received 2020-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I just want an account removed from my credit report. I have a letter from the collector stating they were requesting the account be removed from my report with all the credit bureaus on XX/XX/XXXX and to allow 30 days for the process to be completed. Instead, as of today it shows a {$0.00} balance and still on my report. I will forward you the letter and want it gone as it was supposed to be.
Consumer complaint received 2020-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

Contacted Experian, XXXX, and XXXX  regarding inaccuracies in reported accounts contained on my credit files on XXXX XXXX via certified mail. Submitted information indicating the inaccuracies, however the credit bureaus failed to respond within the allotted 30 days time frame, and I have not received a response regarding a dispute I communicated with in writing to the credit bureaus listed above to this date after over 90 days.
Consumer complaint received 2020-10-26
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: CCS Financial Services, Inc. (GA)

On XX/XX/XXXX I spoke with XXXX regarding the issue with my account # XXXX being paid in full on XX/XX/XXXX ... She advise me that the account was closed and should have been removed from my credit report. However, I am being given the run around on the phone because she says that her department doesn't submit that communication, their third party collection agency called Credit Collection Services @ XXXX. I paid the creditor directly on their website to resolve the past due and it has been paid in full. The communication to the debt collection agency department should have sent the requested communication. I need some assistance, I work full time, and with my children in virtual learning I am stretched with trying call, then waiting hold for a long period of time to speak to no one and get no where, then to have to call back again.
Consumer complaint received 2020-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

Contacted XXXX, XXXX, and Equifax regarding inaccuracies in reported accounts contained on my credit files on XXXX XXXX via certified mail. Submitted information indicating the inaccuracies, however the credit bureaus failed to respond within the allotted 30 days time frame, and I have not received a response regarding a dispute I communicated with in writing to the credit bureaus listed above to this date after over 90 days.
Consumer complaint received 2020-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Contacted XXXX, Transunion, and XXXX  regarding inaccuracies in reported accounts contained on my credit files on XXXX XXXX via certified mail. Submitted information indicating the inaccuracies, however the credit bureaus failed to respond within the allotted 30 days time frame, and I have not received a response regarding a dispute I communicated with in writing to the credit bureaus listed above to this date after over 90 days.
Consumer complaint received 2020-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Contacted XXXX, Transunion, and XXXX  regarding inaccuracies in reported accounts contained on my credit files on XX/XX/2020 via certified mail. Submitted information indicating the inaccuracies, however the credit bureaus failed to respond within the allotted 30 days time frame, and I have not received a response regarding a dispute I communicated with in writing to the credit bureaus listed above to this date after over 90 days.
Consumer complaint received 2020-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (FL)

Back in XXXX or XXXX the unemployment agency in florida sent me a letter stating they had accidentally used all of my information name, date of birth and social security number on an example to the public .so I called all the credit reporting agencies and asked them to put a fraud alert on my account in XXXX I called all three reporting agencies and asked them to remove the fraud alert, they did not do it and it has ruined my life .I have wrote all three agencies over 30 times called over a 100 times, made numorus reports with your Agency and still over 11 years later they still have not taken off the alert, and i have not been able to purchase a home I had to pay extra interest the highest amount to purchase a car which I never was late one time with a payment. Lost jobs, could not get an apartment .because they can not see my credit i have a score of XXXX  after paying a car for three and a half years and never being late not one time. I have done everything to get this fraud alert off my credit and they refuse to remove it please help me thank you
Consumer complaint received 2020-07-17
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA (CA)

The first problem is that hyundai is not respecting the contract i signed in 2018 for my veichle its a XXXX XXXX XXXX and now my payments are showing wrong on my accounts online and when i call i want to know why my payments went up from XXXX to XXXX please help me. 
I was told serval times things were going to be fixed and i was suppose to receive emails but i have not received one email regarding this problem. 
also i didn't ask for this extra insurance payment i am being charged fro and i am being charged for and i am very upset due to this situation. also i have been harassed several times by this company regarding this situation and i want them to stop the harassment telling me that they are going to pick up the vechile for repossession. 
also because i am not fullest in english they yell and me and are harass full sometimes say they can't help me and i feel like i am being very discriminated by hyundai finale companies.
Consumer complaint received 2020-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (VA)

While checking my most recent credit report, I noticed credit inquiries that i did not authorize. i did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.
Consumer complaint received 2017-09-21
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CITIBANK, N.A. (MA)

My mortgage was in default, I then reached out to citi mortgage bank. They then put me on a trial period. My payments were adjusted to {$1300.00} which all payment were received every month on time. I then received notification that my mortgage was adjusted and approved on XXXX XXXX. Then on XXXX XXXX I meet with XXXX XXXX the attorney and signed on my new mortgage with citi mortgage. They then received the signed documents on XXXX XXXX @ XXXX and signed by XXXX XXXX XXXX in XXXX XXXX XXXX XXXX Ex XXXX number XXXX. File number on this document is XXXX and XXXX this is the XXXX XXXX title file number. So I then continued to make all my payments every month. Then on XXXX XXXX I received a letter with my returned check enclosed and the letter stated that the {$1300.00} received on XXXX/XXXX/XXXX was insufficient. I then reached out to the company and was given the run around for a few weeks. I then spoke to XXXX XXXX over the phone, and she said they had never received my signed documentation. So that is when I reached out to XXXX XXXX @ XXXX. He said he was hired by a third party and had been paid for his services. This is how I received all the tracking information. I have done everything in my powers to make resolve this matter prior to sending this complaint. Thank You XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ma XXXX cell XXXX
Consumer complaint received 2020-04-23
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

From XX/XX/XXXX to XX/XX/XXXX I noticed unauthorized charges in my account. This charges occurred in 2 different accounts. A credit card and a debit card. I won the claim on my credit card but my bank even though they reactivated the claim they still holding my funds hostage illegally. I have proof of the fraudulent goings in XXXX  like adding my payment method without my permission. I have pictures of what they are doing and ignoring my complains.
Consumer complaint received 2017-09-21
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (CA)

I started a new loan with XXXX XXXX on XXXX XXXX. The agreed terms of the loan were $ XXXX for a 10 year period. 
XXXX XXXX XXXX XXXX XXXX increased my monthly payment to {$2000.00} without prior notice or explanation. They also adjusted my due date without my consent. 

Following is my email correspondence with them : " XXXX XXXX XXXX/XXXX/XXXX : I got a notification that the auto payment was increased to {$2000.00} from previous scheduled payment of {$2000.00}. Why was this changed? The interest rate has stayed the same at 4.25 %? An explanation would be helpful Thanks XXXX XXXX MOHELA 's Response : Hello, Thank you for contacting MOHELA. We apologize for any confusion. Due to the recent due date change for your loans ( s ) the monthly payment got adjusted to accommodate for any interest accrued. '' The change in due date was NOT authorized by me. I have asked them to reset payments to the original loan term of {$2000.00} for a 10 year fixed loan at 4.25 % Any help would be appreciated. 

Thank You XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-12
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: Experian Information Solutions Inc. (CA)

Should Not Reporting On My Credit Report Under 15 U.S. Code 1681e ( b ) and 15 U.S. code 1681 ( 5 ) this acoount in violation not reporting 100 accurate it list the child support court as the furnisher thats forgery and misleading when the courts don't report this type of account should not be listed on my credit report I've never did any business with that company i did not authorize this account. List of other companies XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX
Consumer complaint received 2020-12-04
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I requested for items to be investigated via mail and they have refused to perform the investigation. 
Please delete the items on the attached letter from my credit report.
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (DC)

XX/XX/ I filed a dispute with Experian regarding addresses on my credit report, Experian responded by removing my current address from my credit report. This is potentially very damaging to me and my credit report. I never asked them to remove my current and only accurate address. This is the type of punitive actions that Experian takes against consumer trying to exercise our rights to have fair and accurate credit reporting in our credit files. This brazen act to bring harm to a consumer would only be taken if Experian knew that there would be no repercussions from the CFPB whom the consumer relies upon for redress. I have never resided at in XXXX Nevada, I have never resided in XXXX XXXX I currently reside in XXXXXXXX XXXX XXXX Experian refuse to remove the XXXX XXXX XXXX address and deleted my true address from my report. Experian 's negligence to address something as simple as updating personal information is a testament to the weakness in how they view a complaint from the XXXX A CFPB complaint means nothing to them If the CFPB all bark and no bite, at least if its pertaining to a consumer complaint. I am a XXXX XXXX  XXXX XXXX that suffers from XXXX, THAT IS NOW BEIG FURTHER AGGRAVATED BY THESE ATTROCIOUS CONDITIONS THAT WE THE AMERICAN PEOPLE ARE FORCED TO LIVE WITH. XXXX XXXX something about this XXXX!!!
Consumer complaint received 2022-08-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Should Not Reporting On My Credit Report Under 15 U.S. Code 1681e ( b ) and 15 U.S. code 1681 ( 5 ) this acoount in violation not reporting 100 accurate it list the child support court as the furnisher thats forgery and misleading when the courts don't report this type of account should not be listed on my credit report I've never did any business with that company i did not authorize this account. List of other companies XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX