davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (AZ)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct :
Consumer complaint received 2017-09-09
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: Experian Information Solutions Inc. (CA)

Equifax was hacked and lost the data of approximately 143 MILLION Americans. Their security was not adequate and we the public are put in extreme risk of identity theft due to their negligence.
Consumer complaint received 2020-11-18
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. (NV)

I've been a victim of identity theft for some time now, there has been fraud accounts on my profile and overtime the credit bureaus assisted me in removing them. I recently reached out to the bureaus to have these fraud items blocked/removed like the previous accounts before and XXXX  and XXXX  did their jobs in no time. Experian on the other hand, has received my request to block these fraud accounts, through the 605 ( b ) laws, as I've sent in a FTC Law Enforcement Report, list of fraud item, and proof of identity displaying my I.D cards. Experian continues to tell me over the phone that they are still working on their investigation and its been about a month since they've received notice. I have two separate confirmation # s for two separate occasions having to block these accounts. 4 days after receipt of block request using the necessary documents is as long as the credit bureaus have to remove the identified fraud items off a consumers report, that is law! That statement is not an opinion, these are the FCRA Laws, Law 605 ( b ). So why is this item still on my report? Because Experian is WILLFULLY and KNOWINGLY being negligent of identity fraud. This has to stop!
Consumer complaint received 2017-08-08
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. (CO)

I have fat along with naviant at XXXX XXXX since XX/XX/XXXX at which day failed to provide me with information on the income based repayment program as well as Ombudsman group advise them to remove all credit reporting on payment history prior to my bankruptcy on XX/XX/XXXX and they still after 2 years of complaints have failed to do so which is causing a negative effect on my credit bureau as well as fifteen years now in late fees repayment for XXXX 's deferment they never once advised me of the option of income based repayment program which makes my account balance a XXXX amount owed every month due to the fact of being a single mom of XXXX children. So I want to file an official complaint against baby and in regards to never vitamin all information which could have assisted in repayment options for the last 15 years as well as increase balances of {$5000.00} in the last 15 years as well as late fees and they refused to advise me of the information in regards to trying to include myself in the mass litigation against XXXX
Consumer complaint received 2024-08-01
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. (FL)

Tonight, I discovered inaccurate accounts appearing on my credit report, and I have no clue why. My regular check revealed these discrepancies out of the blue. I tried refreshing the page, thinking it might be a browser error, but the incorrect accounts persisted. Because of this problem, I ask for a detailed examination of the documents I've provided so I can avoid such worries in the future.
Consumer complaint received 2022-08-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERICAN PACIFIC MORTGAGE (GA)

I spoke with XXXX XXXX in XXXX on Tuesday, XX/XX/2022 at XXXX XXXX. XXXX advised that she would provide the proof of my payment and proof that my payment had been applied to my mortgage loan.. 

She told me that I couldnt have account access to review my payment and how it was applied because my loan would be transferred and once it was transferred I could have access to my payment and account through whatever company that may be. 

XXXX advised me of this after I submitted the complaint below : My husband and I paid our mortgage on XX/XX/2022 using the mortgage statement that was sent to me by American Pacific Mortgage and the loan number provided on the statement. The mortgage payment has been deducted from my account. I called American Pacific Mortgage to confirm payment was applied to account because they didnt provide an online portal to review account. When I called I was told there was no record of an account in my name or my husbands name, I was told that mortgage number did not exist and that they have no record of a payment. I asked them how was that possible and I was told they didnt know and now my money is not accounted for and Im told we do not have an account but on all of our closing docs and our mortgage statement all have this loan number we were told doesnt exist. 

I have not received a notice of transfer and its been well over a month since closing. That notice at least requires 15 days prior to transfer, its XX/XX/XXXX and I have no notification of such transfer and I need access to my account and payment history and detail in full accuracy. XXXX advised that she would send all requested proof via email, as well a vial mail. 

It has been over 48 hours and I still do not have the email she advised she would send with proof that they received it ; I have not received any documentation via mail either. XXXX stated that they applied the payment that was made on XX/XX/2022 to our mortgage loan on XX/XX/2022 ; its XX/XX/2022 and I still have no proof that it was actually applied when received as required by law. Waiting until the loan is transferred to provide proof of my payment is not acceptable for our records. I need the requested proof provided to protect myself and my husband from anything that will undermine our investment.
Consumer complaint received 2023-01-31
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. (MS)

On XX/XX/XXXX, I submitted a complaint against Experian, due to the fact that when I went to annualreport.com to request my consumer report and they denied me access to the information they have stored on me. The message that I subsequently received was that I needed to contact them. I filed complaint # : XXXX, in which I requested that my consumer " File ''. Keep in mind, I specified that I wanted my File, not that standard report they send to consumers all the time but my actual File. I think they intentionally did not upload the files in their response because they never intended on sending me what I clearly requested. Several weeks after I filed the complaint, received a basic consumer report via the postal service. On XX/XX/XXXX, I sent them a letter ( see attached ) explaining exactly what I wanted and the laws to support my request. As of date, I have not received a response. Therefore, I am submitting another complaint, seeking assistance in retrieving my File from Experian. I want to see and know all the information that Experian has stored on me. I know there is statutorily a difference between a consumer report and the consumer 's File. And I am requesting my FILE.
Consumer complaint received 2020-09-21
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. (GA)

My identity has been compromised and the aftermath has effected my credit file unjustly and tremendously. I've requested a Method of Verification from the 3 major credit reporting agencies but never received anything. However, these accounts do not belong to me. Please block and remove. 

1. XXXX {$1000.00} 2. XXXX XXXX {$300.00} 3. XXXX XXXX   {$320.00} 4. XXXX XXXX {$300.00} 5.  XXXX {$500.00} 6. XXXX {$500.00} 7. XXXX {$790.00} 8. XXXX XXXX   {$790.00} 9. XXXX XXXX {$470.00} 10.  XXXX XXXX {$60.00} 11. XXXX XXXX   {$790.00} 12. XXXX XXXX {$310.00} 13. XXXX XXXX {$730.00} 14. XXXX XXXX {$160.00} 15. XXXX XXXX {$110.00}
Consumer complaint received 2017-09-09
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. (CA)

Equifax compromised my security and opened up MAJOR risk for financial loss and identity theft. 

My name, address, full social security, driver 's license are all available to the public due to this security breach on their part. Possible identity theft makes any credit or mortgage, employment concerns, now a valid threat to my me and my family.
Consumer complaint received 2021-09-14
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Santander Consumer USA Holdings Inc. (VA)

I received a refund from the personnel property tax on the XXXX XXXX XXXX pickup that was leased and paid off. The commissioner of revenue sent the refund check to CCAP AUTO LEASE LTD.CC. It was received XX/XX/XXXX and cleared the XXXX XXXX bank XXXXcashed by Chrysler Capital! this is my refund and should have been forwarded to me! Instead it was applied to my closed lease account # XXXX. My lease was closed XXXX._ this is money I paid in full to Chrysler Capital for my XXXX taxes before the lease was closed!
Consumer complaint received 2024-03-18
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Continental Finance Company, LLC (GA)

I applied for XXXX  credit card and XXXX around the same time. The XXXX card never came in the mail as stated. There were several charges made without my consent. I advised the company of this and they removed half of the charges but left the others on there and they reported negatively for months and charged off the account causing this to decrease my credit score.
Consumer complaint received 2020-10-21
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. (NC)

I have recently sent a dispute over to XXXX XXXX XXXX XXXX due to inaccurate late payments I had on my report. This account is closed now because I paid off the car in 2016. I know that any misinformation on your report can hinder you from gaining more assets or liabilities in the future. My credit report shows that i have good payment history and paid as agreed from XXXX, and XXXX. I have recently printed off my credit report and it shows my payment history. 

I wanted XXXX XXXX XXXX XXXX to update the info to show I did have good payment history with them and was never late on my payments. by law i can challenge the creditor and credit bureau if something is inaccurate. at least 1 out of 4 people in America has inaccurate info placed on their report and this is the issue for me. I have sent 3 letters out to the Credit bureaus and XXXX XXXX XXXX XXXX. So I wanted to Make the creditor prove that I were late, as they are reporting it to the credit bureaus. If they can't prove that you were late, ask them to delete the negative item.

This can improve your score.. Sending a copy of me being late on payment on my credit report does not match my report and i need more receipts stating the dates completely that I was late on my payments bearing my signature. I have sent a notary letter to them along with letters stating to remove unverified accounts off my credit report if they cant prove it.

This is a violation of 15 U.S.C. 1681 under the FCRA to have properly
verified that an account listed on my credit report is mine by having a copy of the original application and any documents reported correctly, who in the company verified these accounts. how did they verify them, and provide me with the individual, business address, telephone number of the person or business contacted during my re-investigation. They sent letter and credit report but no changes were made at all. all 3 CRA have not updated the account upon request regarding XXXX XXXX XXXX XXXX.
Consumer complaint received 2017-08-07
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)

On XXXX XXXX, 2017, I submitted an written letter XXXX sent certified ) dispute with TransUnion and XXXX  concerning Personal Identifying Information missing on my Credit Report / Public Records/ Tax lien ( 2 separate state tax liens ). The only option that fit my situation to file this complaint was listed under 'not mine '. Regardless, the information on my credit report /public records does not include the following : Legal name, DOB, Social Security number or address. They 're-verified ' that the information is correct without conducting a reasonable investigation ( FCRA ),  instead chose to utilize the XXXX system again ( this is not the first time I have contacted them to update or delete these liens ). There is a major problem with this method they have chosen, because I am have placed a security freeze on every data mining company available, including systems XXXX. ( See attached docs with written verification from each company ). The personal information they are providing does not meet the requirements per FACTA.They do not have or can not produce the original records showing these liens in fact belong to me. 
My county courthouse does not provide this information and neither does the CA Department of  Revenue, but Transunion and XXXX employees are telling me that they contacted the courthouse and the clerk of court provided the information. That is not true, and if need be I can get the clerk of court to provide a written statement to the contrary. I have spoken to both XXXX XXXX XXXX and Sacramento County 's Recorder Office and they have stated that they do not report directly to the credit bureaus, nor do they know how the information is obtained and placed in the credit reports. ( please refer to my documents from both county recorder 's offices stating as such in writing ). The credit bureaus do openly admit willful non-compliance by not following the law, but they do n't call it that. Also, they will not tell me what 'Method of Verification ' is being used per FCRA sec. 611, only that a vendor has 'verified ' the information. I am having the same issue with both TRANSUNION AND XXXX. I have contacted each agency listed above at least 5-6 times by certified letters, email disputes and phone calls, yet nothing changes. The lack of personal identification is continually being 'verified ' as accurate buy unknown, secret sources through the internet without any proof. I am providing proof of dispute and the 'Official public records ' in question. This document clearly does not contain the required information, only the name of a person is provided. I am not the only person with this name. So, how can the remaining information be verified if the official document does n't contain : address, social security number, or date of birth? It can not ... and they have continuously lied about it!
Consumer complaint received 2023-01-19
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. (PA)

I AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILE. THE ITEMS I NEED DELTED ARE LISTED IN THIS REPORT. I AM A VICTIM OF IDENTITY THEFT & I DEMAND THAT XXXX REMOVE THESE ITEMS TO CORRECT MY CREDIT REPORT IMMEDIATELY! I HAVE REPORTED THIS TO THE FEDERAL TRADE COMMISSION AFFIDAVIT XXXX DOB : XX/XX/XXXX XXXX XXXX - XXXX Last reported XX/XX/XXXX {$170.00} Reported balance XXXX XXXXXXXX Last reported XX/XX/XXXX {$0.00} Reported balance Inquiry details * XXXX ( Bank ) XX/XX/XXXX, XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX  XXXX, PA
Consumer complaint received 2020-10-21
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. (NC)

I have recently sent a dispute over to XXXX XXXX XXXX XXXX  due to inaccurate late payments I had on my report. This account is closed now because I paid off the car in 2016. I know that any misinformation on your report can hinder you from gaining more assets or liabilities in the future. My credit report shows that i have good payment history and paid as agreed from Transunion, and XXXX. I have recently printed off my credit report and it shows my payment history. 

I wanted XXXX XXXX XXXX XXXX to update the info to show I did have good payment history with them and was never late on my payments. by law i can challenge the creditor and credit bureau if something is inaccurate. at least 1 out of 4 people in America has inaccurate info placed on their report and this is the issue for me. I have sent 3 letters out to the Credit bureaus and XXXX XXXX XXXX XXXX. So I wanted to Make the creditor prove that I were late, as they are reporting it to the credit bureaus. If they can't prove that you were late, ask them to delete the negative item. 
This can improve your score.. Sending a copy of me being late on payment on my credit report does not match my report and i need more receipts stating the dates completely that I was late on my payments bearing my signature. I have sent a notary letter to them along with letters stating to remove unverified accounts off my credit report if they cant prove it. 

This is a violation of 15 U.S.C. 1681 under the FCRA to have properly verified that an account listed on my credit report is mine by having a copy of the original application and any documents reported correctly, who in the company verified these accounts. how did they verify them, and provide me with the individual, business address, telephone number of the person or business contacted during my re-investigation. They sent letter and credit report but no changes were made at all. all 3 CRA have not updated the account upon request regarding XXXX XXXX XXXX XXXX.
Consumer complaint received 2021-07-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

I am a single father in the military. While XXXX from XXXX to XXXX, I left my children in the care of my sister. I continued making payments on the card trying to keep my balance XXXX  throughout the XXXX. I returned in late XX/XX/XXXX. I was activated again in XXXX. Again, I left my sister in charge of taking care of the payment. Upon my return, I discovered the payments were 60 days past due. I had pleaded and beg the company to reconsidered the negative lateness of the account to the credit reporting agency. I told them I could restart the payment and took care of the charges that were late. I explained that I was on XXXX XXXX orders and the person I left in charge to make sure the bills were paid did not perform as agreed upon. I was told it did not matter if I were on XXXX XXXX orders or not. I paid the late fees and brought the account up to date. The account has not been late since.
Consumer complaint received 2018-02-16
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. (NV)

I have noticed in the past that there were ( 2 ) small student loans ( dated Open : XX/XX/2011 ) appearing on my credit files and immediately disputed them with each of the credit bureaus.I have not gotten any " validation '' from the bureaus concerning these loans which I never received or signed for at any time.
Consumer complaint received 2020-09-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Santander Consumer USA Holdings Inc. (SC)

I have overpaid on my vehicle due to the hidden fees of this company Santander USA and also  extending financing without the consumers knowledge when a loan is in default. I am still paying interest on a loan since 2015. This loan was for {$32000.00}. I have paid them close to {$45000.00} and the company is still stating that XXXX is owed. I have also have been violated as a consumer because this companies preys on individuals and place them into auto loans with a high probability of default. This company is now being faced with a XXXX XXXX lawsuit in 34 state South Carolina being one of them. I have a repossession/redeemed reporting on my credit when I reported that my Mom passed away and I financially wasnt able to afford the close to 700 payment per month they were charging with the late fee. Also reporting months of late payment when arrangements were made for the payments and they were deducting the funds. This default has stopped me with my home purchase and is hindering my credit. Santander is required to provide relief to consumers and, moving forward, is required to factor a consumers ability to pay the loan into its underwriting. They have yet to reach out to individuals but are still charging the high rates and auto payments they are being sued for.
Consumer complaint received 2020-09-20
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: Experian Information Solutions Inc. (AR)

EFFECTIVE TODAY CEASE AND DESIST PULLING OR SHARING XXXX  DATA OR HAND SHAKE OR BE SUE IN XXXX XXXX DOLLAR LAWSUIT