davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-18
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: Collection Bureau of the Hudson Valley, Inc. (NY)

On XXXX XXXX Collection BUREAU OF THE HUDSON VALLEY added a derogatory mark on my credit report per XXXX XXXX. Upon further research this account was transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also there was NO written form of communication, contract, or written signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it's mine. According to the FCRA, CLLCN BUREAU has violated my rights as a consumer and I am requesting legal action to remove this account immediately. I did not receive any proof of this alleged item, specifically the contract, note or other instrument bearing my signature.
Consumer complaint received 2022-01-18
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. (NJ)

You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.
Consumer complaint received 2019-02-19
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: EQUIFAX, INC. (AZ)

In the process of attempting to purchase a house my mortgage company attempted to receive my credit score from Equifax. They were unable to obtain it, due to an incorrect reporting of another individual using my social security number. I contacted them and attempted to fix this issue and did as I was instructed : submit a copy of my drivers license and social security card by fax as well as a cover letter stating why i was submitting these documents, and to whom they were being sent to. I submitted these documents Monday XX/XX/11 and was told it would take 3-5 business days. I then contacted them on the 3rd, 4th and 5th business days only to be told they do not have the documents and to resubmit them on those days. I have resubmitted these documents by fax multiple times and have confirmations of receipt by the number I have been given by the representatives. This process is greatly effecting my ability to purchase a house and I have done everything right. So Im just concerned about where my I formation is going and why this company can not fix this problem.
Consumer complaint received 2017-01-08
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: I.C. System, Inc. (NC)

I am a victim of identity theft there are alot of Account and inquires on my creditfile that are not mines or either have my name but different social security attached to it that still are not mine. I have submitted documentation and called and still no help. I have plenty of inquiry month after month with some of these compnt i have no idea about. Im just trying to get them removed. I have sent the same documents to all XXXX reporting agencies.
Consumer complaint received 2023-05-20
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: EQUIFAX, INC. (MS)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-18
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. (CA)

I already filed a complaint with you Complaint ID number XXXX. You responded by saying the company responded saying they need more time for this investigation however I got a letter from Transunion giving me the results of their concluded investigation so they are not still working on the investigation according to the letter I received they have completed the investigation and I still dont understand what happened at or what they changed. I emailed you back after you sent me the notice about the meeting more time but I dont know if it got to you. I have proof, a letter they sent me last week saying they had concluded the investigation and found the information to be last week saying they had concluded the investigation and found the information to be accurate although they did make changes to my report, what changes I have no idea because I don't understand their Report.
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (OH)

To whom it may concern : I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.
Consumer complaint received 2023-05-20
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. (WI)

This is my other Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX, WI XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX WI XXXX XXXX XXXXXXXX Balance Owed : {$290.00} XXXX XXXX XXXX Balance Owed : $ XXXX XXXX Balance Owed : {$0.00} XXXX XXXX BalanceOwed : {$0.00} XXXX XXXX XXXX Balance Owed : {$320.00} XXXX XXXX XXXX***Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : $ XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX Balance Owed : {$2400.00} XXXX XXXXXXXX Balance Owed : {$58.00} XXXX XXXX  Balance Owed : $ XXXX XXXX Balance Owed : {$56.00} XXXX XXXX  Balance Owed : {$240.00} XXXX Balance Owed : {$210.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (CA)

My loans were held with XXXX from XXXX. During this time, I was Never told about PSLF, or put or offered and IBR plan. I was put on a graduate plan and then in forbearance. This was proven in the lawsuit, however, paying the borrower a check for {$260.00} will not help with almost three years of payments that could have counted for PSLF waiver. 

The forbearance periods all need to be counted retro back to 2007. So much forbearance steering took place. XXXX is a prime example and did this to me.
Consumer complaint received 2023-05-18
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: EQUIFAX, INC. (VA)

I submitted a letter to the 3 Credit Bureaus to fix these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2019-02-19
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Sunshine State Credit (FL)

Currently, I am being sued for XXXX dollars which have now gone up to XXXX. Sunshine state credit has pulled credit report that shows the right information twice and sent lawyer wrong addresses to be served. 

I feel I should not have to pay the remainder of the loan because I have never completed my service. I am still trying to get my XXXX completed and now I have to pay for my account twice. XXXX XXXX XXXX, the company that the loan was given to, sold the company without leaving a balance. I have asked their attorney in XX/XX/XXXX2018 when I was first contacted and XX/XX/XXXX2018. I've attempted to email the lawyer as well on XX/XX/XXXX asking for the client to work with me. 

The problem is that the attorney has my bank account and my son 's bank account frozen. Florida law states garnishments can be no more than 30 % of income. I had asked the lawyer to remove the garnishment on my bank account and he refused. I have a child to take care of.
Consumer complaint received 2023-05-20
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: EQUIFAX, INC. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX Balance : {$17000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$2800.00} XXXX XXXX XXXX XXXX Balance : {$17000.00} XXXX XXXX XXXX Balance : {$17000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$2800.00}
Consumer complaint received 2021-04-07
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (VA)

1. On XX/XX/XXXX, 2 of my roommates sent me Rent and Utilities money via Paypal, so i could pay the joint bills. 

2. On XX/XX/XXXX or 3rd I logged into my Paypal account to transfer that money to my checking account. 

3. When I went through the process to transfer the money to my checking account, Paypal 's web site informed me that my account had been limited due to unusual activity. Paypal prevented me from transfering my money to my personal checking account. 

4. After following a number of different screens, Paypal demanded ( via its web site ) 4 pieces of information : a. A bank statement b. A photo Id c. Proof of address. 
d. An explanation of the transactions involved.

5. Paypal limited the account access, preventing me from transfering my money, but was more than happy to allow money into the Paypal system. This created a situation where Paypal is holding my money after taking it in, knowing that they were not going to let me transfer my money out. Paypal should have prevented money from coming into their system if they were going to prevent it from coming out, and hold that money hostage. 6. Attempting to contact Paypal to resolve this issue w
as a nightmare. The 888 number hang-up on me and would not put me through to a human. The web site is filled with circular references. Trying the " Message '' feature lead to conversations with chatbots that were no help. Getting through to a human was almost impossible. It is clear that Paypal does not want to speak to people about the money that Paypal is holding hostage. They refuse to communicate, and place customers in an extortionist situation. Paypal has your money, and refuses to speak with you to resolve the situation. 

7. After numerous communications with Paypal, providing ALL the requested information after the extortion that they would only give me my money if I provided the documents, Paypal decided to close the Paypal account. This is perfectly fine, but Paypal has also refused to return the money to the senders, or give the money to me.

To summarize : 1. Paypal accepted a money transfer for me, despite placing my account on hold. 
2. Paypal demanded information and refused to return the money to the senders or give it to me, creating an extortion attempt. I had no choice but to provide the information if I wanted my money back.

3. All requested information was provided.

4. Paypal choose to close the account AND hold onto the money.
Consumer complaint received 2023-05-20
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. (GA)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXXXXXX XXXX XXXX XXXXXXXX, GA XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$600.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance XXXX {$3700.00} ; XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$2100.00} ; XXXX XX/XX/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 2024-01-23
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)

I have disputed for over a year trying to get help resolving the removal of an account fraudulently used/opened in my name appearing on my credit report. Disputes with experian and XXXX had started early 2023, and they told me they verified I indeed own the account and to take it up with XXXX XXXX. This matter has Been brought up in civil court and dismissed with prejudice, so I have redisputed the fraudulent account with court documents detailing this. Both credit reporting agencies refuse to remove account, and advised me to again either follow up with XXXX XXXX ( who refused to investigate fraud and had to go to court to finally give up on case and dismiss ), or file a complaint. XXXX was able to remove the account from my report with them with same provided documentation.
Consumer complaint received 2021-04-07
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: TRUIST FINANCIAL CORPORATION (MN)

I recently applied for an auto loan through LightStream. A few years ago I used LightStream to finance another, separate auto purchase and was very impressed by the experience. They clearly state the interest rates offered ( displayed as a range ), based on loan type/purpose, term and dollar amount, on their website. The online application was quick and easy to complete and the funding of the loan was very fast. Plus, as an unsecured loan, the ability to avoid placing a lien on the title of the vehicle made the whole purchase process much easier. At that time, as a borrower with a very high credit score and significant income and assets relative to the loan amount, I qualified for their lowest advertised rate. Unfortunately, the most recent application was very different. Currently LightStream advertises a 2.84 % rate for " used auto purchases from a dealer '' loans with terms between 36 and 48 months for dollar amounts between {$10000.00} and {$24000.00}. I applied for a 48 month loan for {$20000.00}. I was surprised when I received a loan approval notice, with an offered interest rate of 5.59 % ( nearly 2x the advertised lowest rate ). This is despite the fact that today, my credit score, income and assets are all higher than they were when I applied for my first LightStream loan. I inquired with LightStream about the high rate offered, and was told that the assigned interest rate was based on my credit profile. It is quite clear to me XXXX based on my own knowledge of my credit profile, in addition to the interest rate I received on my first LightStream loan ) that LightStream is acting unethically. They are either falsely and deceptively advertising their rates, including some other criteria in their rate approval process that they are unwilling to disclose, or some combination of the two.
Consumer complaint received 2021-08-09
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)

I have sent a certfied latter and police report to Equifax about inquiries on my report i have no idea about and here today XX/XX/XXXX i get my results back and it says all inquiries i disputed are factual .... And may i add they took 1 day to do this i see it clear XXXX  day on my Equifax. Com i want a re investgation its the law to remove all Fraud inquiries that i have not approved here are all the inquiries ... XX/XX/XXXX XXXX XXXX XXXX XXXX ... XX/XX/XXXX XXXX XXXX XXXX ... XX/XX/XXXX XXXX XXXX .... XX/XX/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 ... These are all FRAUD INQUIRIES PLZ fix and remove with 30 days or i will take legal Action ASAP
Consumer complaint received 2022-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/22 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If the credit bureaus do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$890.00}
Consumer complaint received 2022-01-18
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA (VA)

On XXXX XX/XX/XXXX I submitted an online payment to Hyundai Motor Finance ( HMF ) in the amount of {$14000.00} to pay off the final lease payments and purchase a XXXX XXXX XXXX. 

I requested that the title be sent via XXXX, but nothing ever arrived. After about a month, I contacted HMF and was informed that they had sent the title by XXXX and instructed to wait for it to arrive, but they would also send a letter of no interest. 

On XXXX XX/XX/XXXX, I called HMF again to inquire about the status of the title and letter of no interest. An agent named XXXX told me that the title had been returned by XXXX to HMF on XXXX XX/XX/XXXX. I was transferred to a special agent named XXXX who told me that he did not have a record of the title being returned to HMF. He said they sent the letter of no interest on XXXX XX/XX/XXXX, but that never arrived either. XXXX instructed me to send a letter requesting a duplicate title plus a check for {$15.00} made out to the Virginia DMV. That letter was sent by certified mail on XXXX XX/XX/XXXX and it was signed for at the HMF Titles Department on XXXX XX/XX/XXXX. 

On XXXX XX/XX/XXXX I called back to find out why the DMV check had not been cashed. I again spoke to XXXX who told me that they have no record of receiving the letter/check. I gave him the tracking number on the certified letter, and he said he would forward it by email to the titles department and to call back in 5 business days for an update. 

On XXXX XX/XX/XXXX I called back and again spoke to XXXX. He said there has been no update. He said he would send another letter of no interest via XXXX and he said he would again escalate the issue by email to the titles department. 

It has been nearly four months since I paid off the vehicle. I am unable to sell it because I don't have the title, and HMF has not given me any indication that they have processes in place to remedy this issue. The {$14000.00} that I spent on this car represented the bulk of my emergency savings. My intent was to sell the car and recoup that money. The value of the car is decreasing the longer I wait to sell it, and I am also continuing to pay for auto insurance on a car that I am not using.
Consumer complaint received 2023-05-20
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. (PA)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. has 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 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.