davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (FL)

Good Afternoon. After the complaint placed on XXXX and many phone calls and being on hold today for 2 and half hours with Fed Loan, I have decided to do another complaint. So Fed Loan did upgraded my account to 96 counted payments, but omitted payments that were made on XXXX and XXXX! When I contacted Fed Loan and Spoke to XXXX ID # XXXX she stated that XXXX ( XXXX XXXX XXXX ) is responsible for the miscounted and erroneous information! On XX/XX/XXXX at exactly XXXX p.m., I received a call from XXXX length of call `12 minutes and 14 secs from Fed Loan " specialist ''. The lady was clueless and kept blaming XXXX. Both of the workers from Fed Loan who are labeled as specialist blamed XXXX and stated that my payments, files and information will be send to XXXX for " Payment Count Review '' ... XXXX XXXX also stated that there was a " Payment Count Review '' placed on XX/XX/XXXX! Mind you, I spoke to the Loan Specialist On Monday, XX/XX/XXXX ( so she took ONE WEEK ) to forward the information to XXXX to review counts. Today is XXXX XXXX and NOTHING has been done! I received the same response, We will send information to XXXX for " count review '' ... .Mind you the newly consolidated loans that I have been screenshooting photos of in XXXX are being fully counted and FORGIVEN!!! Why there is not lack of due process is beyond my understanding. To make matter worse, I also received an email on Thursday XXXX XXXX about FED Loan transferring my loans to XXXX XXXX They have time to email, but can't basically count correctly! On a positive note, my counts went up to 94 payments, but unfortunately year XXXX and XXXX were skipped! How does this happens? I do not know, but I want this address. I have been with FED Loan under their consolidation for years and it infuriates me to see newly consolidated loans being forgiven and my account continues to be handle poorly!!! j
Consumer complaint received 2022-06-27
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation (NY)

Please I need help I have been paying this company around {$5000.00} and they have not lower the amount I owed they give me a monthly payment of {$390.00} of that amount {$1.00} goes to principal and the rest is interest around {$180.00} this is insane I am taking medication for XXXX  and XXXX because I never thought will go thru something like this they lift my car from my house with about previous notice because I stop paying to have my car back they told me that I have to pay {$700.00} fee for the company XXXX XXXX  plus {$1400.00} of miss payments when I complete the money they told me that they wont release the car if I dont give them {$2400.00} in total I submit the payment but when I when to the company to pick up my car they make me sign a paper statement that they only charge {$150.00} to lift my car and to keep it for 3 days I took picture of all this papers when I go see my balance the lock my account and my surprise is that from {$2400.00} that i paid only {$300.00} went to the principal Please help me I dont know what to do Im currently not what to do they never told me about this high interest I have documentacin that i can show you please i need help I owe them {$9700.00} the loan amount was {$11000.00} i feel I will never get out of this frustrating situation
Consumer complaint received 2024-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I asked Transunion to make sure my credit report was accurate on a dispute over XXXX XXXX XXXX XXXX. They got back to me saying " VERIFIED AS ACCURATE ''. That is false. 

the account was PAID AND CLOSED AND PAID AS AGREED. It was CLOSED on XX/XX/XXXX. However, Transunion neglected to " verify '' the entire listing on the account and it is still showing LATE PAYMENTS ON A CLOSED ACCOUNT dating AFTER the closing. 

XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is reporting payment information on a closed account and this is falsifying the data. I asked them to make sure the whole thing was right but they failed to do that and then responded in writing " VERIFIED AS ACCURATE ''. 

I demand now that this account be deleted from my credit file and confirmed back as such in writing including my ACCURATELY updated credit Transunion report. To ensure Transuion can verify who I AM, and complete this demand pursuant to the FCRA XXXX findings, I've gone ahead and included a copy of my drivers license, a utility bill, and XXXX to validate identity and soc ssec #. 

15 U.S. Code 1681i - Procedure in case of disputed accuracy ( a ) Reinvestigations of disputed information ( XXXX ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Consumer complaint received 2021-09-02
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC. (GA)

I have spoken on the phone with this company many times in which they stated that they are trying to help me in resolving the debt so that adverse reaction would occur on my credit report and help me to avoid future legal actions
Consumer complaint received 2022-06-27
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: CAPITAL ONE FINANCIAL CORPORATION (AZ)

I have asked the credit bureaus to do a investigation of credit report and stated everything was accurate. I did a thorough research myself and found improper accuracies on my credit report. Even after they did a thorough research. 

Name : Capital one Below you will find inaccurate dates : Date opened is inaccurate Last payments are inaccurate Last reported are inaccurate Last active is inaccurate Account # : XXXX XXXX XXXX Account Type : XXXX XXXX XXXX Account Type - Detail : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX Account Status : XXXX XXXX XXXX Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$1700.00} {$1700.00} {$1700.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$1700.00} {$0.00} {$1700.00} Credit Limit : {$1500.00} {$1500.00} {$0.00} Past Due : {$1700.00} {$1700.00} {$1700.00} Payment Status : Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Accounts closed by XXXX XXXX Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX In accordance with the fair credit reporting act convergent accout XXXX, has violated my rights. 

XXXX5 u.s.c 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.
Consumer complaint received 2024-11-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2022-06-27
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc. (OH)

On XX/XX/2022 Comenity Bank took the {$37.00} payment for my Victorias Secret credit card. I paid the bill on the XXXX through their app within the Victorias Secret XXXX app. My payment was accepted without a problem. Later in the week, I went to make a purchase because XXXX was having their semi-annual sale. I was unable to log into comenity bank and kept receiving an error message. Today, XX/XX/2022, I tried to contact customer service because they have an incorrect phone number in the system that I noticed when trying to change my password. I kept receiving an error message when attempting to log in. Customer service has a recording that states Due to unforeseen circumstances, our offices are closed. They had no problem taking my money and processing it days later but now no one is in the office to take calls. Their social media channels all have the same script of a planned update that is taking longer than expected. My concern is a security breech, especially seeing they do not have my correct information on file any longer, and not being able to access my account for almost a week. I am now unable to access my account at all. Unfortunately, this is not the first run in Ive had with this company. Back in XXXX of 2022 they started automatic payments from my bank account without my consent. It took days for the issue to be resolved.
Consumer complaint received 2022-06-27
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. (FL)

I sent a letter on XX/XX/2022 regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response as of yet. I feel like I am being taken advantage of and being ignored of my disputes section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-06-27
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. (PA)

In accordance with the Fair Credit Reporting act XXXX XXXX # {$14000.00} 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
Consumer complaint received 2023-07-19
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: Experian Information Solutions Inc. (GA)

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in violation of this law because I am a victim of identity theft! Please delete these items immediately!

These accounts should not be furnished on my consumer report as the are in violation. Under, 15 U.S. code 1681bc- Permissible purposes of consumer reports ( a ) in GENERAL subject to the subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) in accordance with the WRITTEN INSTRUCTIONS of the to whom it relates. I never gave any consumer reporting agency writer consent to report anything on my consumer report which violates my rights as a federal protected consumer. No consent is identity theft. As a consumer I am demanding the deletion of the accounts listed immediately. 

XXXXXXXX XXXX for {$450.00} opened XX/XX/XXXX is an fraudulent account and needs to be removed from my credit report. 
XXXX XXXX XXXX for {$250.00} opened XX/XX/XXXX is an fraudulent account and needs to be removed from my credit report. 
XXXX XXXX for {$320.00} opened XX/XX/XXXX is an fraudulent account and needs to be removed from my credit report. 
XXXX XXXX XXXX for {$10000.00} opened XXXX is a fraudulent account and needs to be removed from my credit report. 
XXXX XXXX XXXX for {$22000.00} opened XX/XX/XXXX is a fraudulent account and needs to be removed from my credit report. 
XXXX XXXX XXXX for {$14000.00} is a fraudulent account and needs to be removed from my credit report.
Consumer complaint received 2022-06-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (CA)

PHH mortgage is not helping me, I have tried working things out with them but they are very difficult to deal with, I fear I will lose my house to them. Please Help!!!! 

I was given a loan modification during pandemic, since I had lost my job due to COVID, I couldn't pay my mortgage trial payment and this turned out to be a disaster ever since, I later got to know that PHH was giving out trial payment extensions but they never called me to give me the trial payment extension. 

Now I have been trying to get a loan modification again through them but they say that my property value has increased and they can't give me another loan modification, I request you to please help me, I am ok with the same terms that were approved last time, Now my business is doing well and I will be able to make regular mortgage payments.
Consumer complaint received 2022-06-27
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: ALLY FINANCIAL INC. (FL)

The companies below have reported inquiries onto my report and I have not given them the authority to do so this was under fraudulent activity. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2022-06-27
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. (TN)

My apartment was broken into a few years ago and whoever was responsible took many personal items of mine such as bills, my birth certificate and other items. Since then I've had ppl opening numerous accounts in my name. Reported the information to the police department but it didn't stop. Please help.
Consumer complaint received 2022-06-27
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: M&T BANK CORPORATION (NY)

I am entitled to a credit card dispute charge back due to the fact that the contractor XXXX XXXX produced defective goods and services, caused XXXX rejections of our case at the US Supreme Court, and finally when they got it right was too late and caused us to miss the filing deadline, thus dooming us to the lower courts for litigation, not the US Supreme Court in time. Please investigate and advise.
Consumer complaint received 2022-06-27
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: DISCOVER BANK (CA)

On XX/XX/XXXX I received a debit card from Discover bank. I have never applied for or had any type of account with Discover. When I told them I did not open any accounts they said that someone had my full name, address, email address, date of birth and social security number and opened one checking account and three money market accounts on XX/XX/XXXX. The person at Discover said she was reporting this to the Fraud Department and the accounts will be locked. Today I received welcoming letters from Discover dated XX/XX/XXXX and the request to change the email address on the accounts from my current email address to a gmail account unknown to me. The fraudster changed my email address to : XXXX. In XXXX someone opened three XXXX accounts XXXX XXXXXXXX XXXX and I had to go through a similar process. I am very concerned now that this has happened for a second time and Discover told me that someone has my social security number and date of birth as well as address.
Consumer complaint received 2022-06-27
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. (TX)

I requested from Experian and XXXX XXXX XXXX XXXX the permissible permission used to have accessed my credit report in XX/XX/XXXX. Both refuse and play word games. 
Experian states " They responded and verified that the disputed information was accurate as reported, however, they may have updated other aspects of the account ( s ). The result summary was sent to you for review on XX/XX/XXXX '' I have yet to receive the permissible permission or the XX/XX/XXXX summary listed above..
Consumer complaint received 2022-09-03
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. (TX)

To Whom It May Concern : I received a copy of my ( Transunion ) credit report, and noticed some INACCURATE late payments that need to be deleted. They are as follows : List Name of accounts with late payments with their account numbers. 

XXXX XXXX XXXX Before we move forward, the term accurate pursuant to the Fair Credit Reporting Act ( FCRA ) is defined as a measure of value. For something to be considered inaccurate it has to be something that is not of value to me, and that is determined by I, the consumer. 
These late payments that are a defamation of my character are therefore INACCURATE and your company is in violation of the Fair Credit Reporting Act ( FCRA ), otherwise known as 15 USC 1681.

Pursuant to 15 USC 1681a - Definitions ; rules of construction, but more specifically 15 USC 1681a ( 2 ) ( A ) ( i ), THE LAW CLEARLY STATES : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any Clearly, exclusion means something that is not supposed to be included. The law states that ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report transactions or experiences between the consumer and the person making the report are not supposed to be included in a consumer report, and this reported information was an EXPERIENCE of mine, therefore the information must be excluded and I demand these late payments be deleted immediately. 
Also, I have a simple question you shouldnt have a problem answering : Did I give you written instructions to furnish this information related to me on my consumer report?

Additionally, 15 USC 1681b ( 2 ) - permissible purposes of consumer reports, THE LAW CLEARLY STATES : ( A ) IN GENERAL SUBJECT TO SUBSECTION ( C ), ANY CONSUMER REPORTING AGENCY MAY FURNISH A CONSUMER REPORT UNDER THE FOLLOWING CIRCUMSTANCES AND NO OTHER : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

I have sustained defamation of my character as a result of this information and am demanding you to delete the above late payments from my consumer report, because this agency is in violation of the FCRA or 15 USC 1681. 
Best regards, XXXX XXXX
Consumer complaint received 2022-06-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (CA)

My federal consolidation loan is held by FedLoanServicing. I applied for PSLF ( public service loan forgiveness ) in XX/XX/XXXX and submitted all my employment certifications. I submitted all the certifications again in XX/XX/XXXX. I have received multiple letters indicating that I am not yet eligible for forgiveness and that my payment count stands at XXXX. However they did not count two of my employment certification forms from XXXX. If those payments are counted then I have well over the 120 required for forgiveness. I have repeatedly called and emailed with no response. I have filed a complaint with FSA and my complaint was closed. No one can tell me why the two forms from XXXX were not counted, if there was an error or for some reason they believe the employment does not qualify or if there was an issue with the signature or something else. I have not been able to speak to someone on the phone despite multiple attempts. 

I was recently notified that my loans are going to be transferred to XXXX sometime in XX/XX/XXXX. I want this resolved before my loans are transferred because FedLoan Servicing is the one who has all the information about my payments and all the certifications that I've already submitted.