davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-03
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. (SC)

I have gone back and forth with the creditor but my reported information is not being reported accurately and to the fullest. information is being report differently among all CRAs which is a violation of Furnisher Rule 660.4 ( a )
Consumer complaint received 2021-08-19
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (AZ)

Good Afternoon, I need information on how to get my private loan expunged after attending XXXX XXXX in XXXX, AZ, from XXXX. This school did not explain the gravity of a private loan ; nor did it offer any assistance in job placement to graduates, as promised during orientation, in various brochures, and tv commercials. Ive been told time and time again I am unable to qualify for any form of tuition forgiveness because my loan is not federal. I have tried long enough to pay off this exorbitant loan offered by this fraudulent college. It has become extremely difficult to support my family with the high interest rate and monthly payment amount of this private loan. How lengthy or difficult the process will be is irrelevant to me- I just need some direction on how to be rid of this ever growing issue. I appreciate your time in reading this correspondence and any guidance you suggest. 

Best Regards, XXXX XXXX
Consumer complaint received 2023-05-06
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. (SC)

As I investigated my credit report, I realized that some of the information was erroneous. Equifax and XXXX are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX XXXX XXXXXXXX {$260.00}.
Consumer complaint received 2021-12-30
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: OneMain Finance Corporation (CA)

I disputed with ONE MAIN FINANCIAL about a unauthorized Hard Inquiry on my report. I have sent several dispute letters to XXXX and this issue has still not been resolved. It has now a very stressful and frustrating situation. I sent dispute letters to XXXX and One Main Financial. The first letter to One Main Financial was dated XX/XX/XXXX and the another one dated XX/XX/XXXX. I also sent a dispute letter to One Main Financial dated on XX/XX/XXXX and received a response letter that was dated on XXXX and another letter on XX/XX/XXXX that stated " ACCORDING TO OUR RECORDS AND THE CREDIT REPORTING AGENCIES ' RECORDS, THERE ARE NO APPLICATION OR ACCOUNT-RELATED INQUIRIES BY US FOR THE DATES YOU HAVE REFERENCED IN YOUR LETTER ''. There is no record of any inquiry made but it is still being reported to the CRA 's. I need this inquiry deleted immediately.
Consumer complaint received 2023-06-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

There are accounts on my consumer report that are a result of identity theft. I did not provide written permission with a wet signature for these accounts to be reported on my consumer report. I recently contacted you to address this issue, and I am requesting that this information be blocked and deleted as soon as possible. Your actions have caused me significant mental and financial XXXX by including items on my credit report that do not belong to me and for which I am not responsible. I am prepared to take legal action if this complaint is not handled appropriately. These fake, inaccurate, and fraudulent items appearing on my credit record have prevented me from purchasing my dream house and providing for my family 's needs. I have attached a copy of the letter I previously sent for your reference.
Consumer complaint received 2023-01-03
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. (TX)

I have sent multiple letters regarding unauthorized inquiries and inaccurate account from my credit report. It was more than 45 days since but I did not receive any response or results. I want actions and I know they did nothing regarding of my concern.
Consumer complaint received 2021-09-03
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: OneMain Finance Corporation (AL)

Hi there. I would like to issue a complaint against OneMain Financial. I have been a customer with OneMain for 2 years and have always remained in good standing. I was unemployed for a short time, and contacted OneMain to inform them of my employment status and that I would be late on 2-3 payments as I had to wait for my assistance, but they would in turn receive their payments. Since, I have received 5-10 calls a day harassing me about when I can make payment. As someone who is literally having to claw their way out of debts related to the pandemic, this is quite disturbing. I have had to block multiple numbers that are attempts by OneMain to collect my debt when I am just late on my payments.
Consumer complaint received 2022-09-22
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

XX/XX/XXXX - Was refused customer service records ( by XXXX XXXX # XXXX ) unless I had a subpoena. Also - when I asked about what company audits XXXX XXXX XXXX  ), was refused that information and was refused Employees Name and ID number. This all had to do with a loan repayment that XXXX failed to allocate correctly. As this was the XXXX time I have had to call about these payment problems, I was looking for answers. My XXXX XXXX has been affected because adequate funds were provided to XXXX, then did not allocate them correctly and sent money back to refinance company when money was still owed on loans. XXXX  never contacted me about the allocation being incorrect. Waited XXXX XXXX and then stated the loan payment was past due. Placed call to XXXX to find out how this happened and was told XXXX  should have corrected this issue and allocated funds so loans would be resolved. XXXX XXXX later I start getting calls from a collection agency saying they are calling for XXXX. Since XXXX I was paying the interest on our daughters loan. Every XXXX I paid more than was required and every XXXX XXXX or so I would get notice that there was a payment that was late. When XXXX was called, they said because I did not provide loan numbers, even though there was an excess of money, funds were not allocated correctly. I changed the way I pay, added loans numbers, same problem. This time it was because the loan payments were set for the XXXX and XXXX and I was only paying on the XXXX. I had many phone calls and asked for help with this many times and were always assured XXXX would take care of the problem and our payments would be handled correctly. They were not handled at all, the same mistake was made over and over again and my daughter and I are the ones penalized
Consumer complaint received 2023-01-24
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. (GA)

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 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 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.
Consumer complaint received 2022-07-14
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. (GA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 
XXXX. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2023-01-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CLGF Holdco 1, LLC (CT)

Over the period of several months I did have financial difficulty in making payments on my Milestone Card but I did attempt to make several payments with an agent. During this time, it appears the agent captured the incorrect routing number or account number when I made the payments which resulted in late fees. I called Milestone on XXXX to make a payment as the account was past due and the agent assured me there would be no negative credit reporting by making the payment that day, which was a lie. I recently became aware there was late payments reported to the credit bureau despite my attempts to make payments on XXXX and prior. In addition, the agent did not capture the correct account information to take the initial payments. This negative credit reporting has caused me to be declined for a mortgage and I lost {$500.00} paying for an appraisal.
Consumer complaint received 2024-12-02
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. (IL)

Kindly block and remove the unauthorized accounts from my credit report as soon as possible. I did not open or authorize these accounts and have no knowledge of their origins. Under USC 1681g, I am formally requesting their removal within 15 days. Please find the relevant documents attached for your review and reference.
Consumer complaint received 2022-11-20
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. (GA)

I recently reviewed my credit report and found that my consumer rights have been violated. According to the fair credit act, 15 USC 1681a definitions state : rules of construction ( 2 ) ( a ) ( i ) states the rem consumer report does not include any report containing information solely as to transactions or experience between the consumer and the persons making the report. Late payments are a form of transaction and utilization is an experience created by credit usage. 
Equifax is reporting late payments on several accounts : XXXXXXXX XXXX  XXXX - Student loans and/or utilization is an experience created by credit usage. 15 USC 1681b ( a ) ( 2 ) states any consumer reporting agency may furnish a consumer report un the the following circumstances and no other, in accordance with the consumer to whom it relates. 

I at no time gave Equifax written instructions to report anything to my consumer report, let alone this payments/utilization. Also accord to 15 USC 1681 602 congressional findings and statement of purpose states, there is no need to insure that the consumer reporting agencies exercise their grave responsibility with fairness, impartiality, and a respect for the consumer 's right to privacy. it also states 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 method undermined the confidence which is essential to the continuous functioning of the banking system. 
The reporting of these late payments are not accurate and my privacy has violated due to Equifax violating my consumer rights by allowing these late payments/utilization to report to my consumer report! I am asking for immediate removal!
Consumer complaint received 2024-12-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Stellantis Financial Services US Corp. (MD)

I was having problems with XXXX which is my insurance company where they kept increasing my monthly payment due to total loss of my XXXX XXXX XXXX vehicle from an accident on XX/XX/XXXX which was replace by a XXXX XXXX XXXX. This problem also causes me problems with the XXXX in which they say I was driving the vehicle without insurance. I was homeless at the time and having problems with my retired income, so I called Stellantis at the end of XX/XX/XXXX to let them know about the problem and how can I return the vehicle. They told me that I can voluntarily surrender the vehicle, and I agree. I told them to pick-up the vehicle in XX/XX/XXXX and they told me that they would schedule the pick-up and called to let me when. I gave them the location where the vehicle was park which is at the XXXX XXXX XXXX XXXX XXXX where I was staying in the vehicle at that time. They email me a letter to e-signature and the date of pick-up shown on the letter is XX/XX/XXXX, a copy of the letter is enclosed. Stellantis kept reporting me to the credit bureau for delinquent account, and derogatory account. I filed dispute with the credit bureaus several time and they kept reporting. I need and would like for them to stop.
Consumer complaint received 2024-12-03
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Lockhart, Morris & Montgomery Inc. (GA)

Complaint Against Collection Agency for Violating Consumer Rights To Whom It May Concern, I am writing to file a formal complaint against LOCKHART, MORRIS & MONT for multiple violations of my consumer rights under federal law. The collection agency has engaged in practices that are in clear violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ).

Violations by the Collection Agency : Failure to Provide Validation Information The collection agency has not provided the required validation information as stipulated under 12 CFR 1006.34 ( b ) ( 5 ). Despite this, they have placed a collection item on my consumer report.

Denial of Dispute Opportunity I have not been given a chance to dispute the account, as required by 12 CFR 1006.34 ( c ) ( 4 ) ( i ).

Use of False, Misleading, and Deceptive Means The collection agency has employed false, misleading, and deceptive means in the collection process, violating consumer protection laws. 
Unlawful Furnishing of Information The collection agency has no authority to furnish any account to consumer reporting agencies without first providing all required disclosures, in violation of : 12 CFR 1006.34 ( d ) 15 USC 1681-52 ( 7 ) ( A ) Requested Action : I respectfully request the Consumer Financial Protection Bureau ( CFPB ) to investigate this matter and take appropriate action against the collection agency for these violations. Additionally, I ask that this collection item be removed from my consumer report until full compliance with all relevant laws is demonstrated. 

I have all relevant documents to support my claims and will cooperate fully with any investigation. 

Thank you for your attention to this serious matter. 

Sincerely, XX/XX/year>
Consumer complaint received 2022-06-24
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. (FL)

In accordance with the fair credit reporting act XXXX account # 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 2 : It also states a consumer reporting Agency Can not Furnish A Acct without my written instructions. 

XXXX XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XXXX XX/XX/XXXX : XXXX XXXX XXXX XX/XX/XXXX : XXXXXXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX : XXXXXXXX XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX : XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX : XXXX XX/XX/XXXX : Account Name : XXXX XXXX XXXX XXXX Account # : XXXX High Balance : {$14000.00} Account Name : XXXX Account # : XXXX Account Name : XXXX XXXX XXXX XXXXXXXX High Balance : {$9400.00} Account Name : XXXX XXXX XXXX Account # : XXXX High Balance : {$14000.00} Account Name : XXXX XXXX XXXX Account # : XXXX XXXX High Balance : {$2000.00}
Consumer complaint received 2023-01-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: NAVY FEDERAL CREDIT UNION (CA)

Ok XX/XX/XXXX i sold a vehicle, the check was XXXX it was deposited into my account and the bank teller told me it was avail. I transferred the money out immediately XXXX to XXXX as advised by the teller and they blocked and closed access to the account. They left me and my kids stranded with no money and no gas and no food! They allowed the transactions to go through and the check was from XXXX federal and they said it was fraudulent. I need my money to he released i sold a car i no longer have and they robbed me of my money for the holidays and left me hungry with children, cold and stuck hours away from home. I need this resolved this is not fraudulent at ll!
Consumer complaint received 2024-12-02
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. (VA)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX  # XXXX Account Name : XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX
Consumer complaint received 2023-05-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc. (CA)

My cash app account/card was used to make unauthorized purchases on XX/XX/XXXX my card was charged {$9.00} at XXXX XXXX XXXX XXXX XX/XX/XXXX my card was charged again by XXXX XXXX XXXX XXXX XXXX for {$9.00} my card was also charged by XX/XX/XXXX on multiple dates beginning XX/XX/XXXX for {$8.00} on. XX/XX/XXXX for {$10.00} on XX/XX/XXXX for {$10.00} twice I was charged that on XX/XX/XXXX they charged me {$11.00} on XX/XX/XXXX for {$34.00} I was charged by XXXX XXXX on XX/XX/XXXX for {$2.00} on XX/XX/XXXX for {$5.00} then XXXX eats charged me {$37.00} on ok XX/XX/XXXX they also charged me the same day for {$47.00} I was also charged by XXXX multiple times on XX/XX/XXXX {$3.00} on XX/XX/XXXX for {$29.00} and {$3.00} on XX/XX/XXXX {$7.00} and on XX/XX/XXXX for {$60.00} and I was Charged by XXXX on XX/XX/XXXX for {$18.00} and {$17.00} I contacted cash app to refund my money and they did nothing