davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: ALLY FINANCIAL INC. (MI)

On XX/XX/2022 I sent a letter disputing a billing error under Truth in Lending Title 15 U.S C. 1666 to Plus Finance. I have not had a response from them and they continue to try to collect a past due amount when they have closed my account. Also reporting to so-called private credit agencies while this account is in dispute.
Consumer complaint received 2020-04-01
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: First Credit Services Inc. (VA)

First Credit continues to blatantly report an inaccurate, unverifiable entry on my credit reports. The entry on my reports reflect that First Credit reported this entry XX/XX/2019 on my credit report, yet they did not provide any communication to me prior to inserting on my credit reports. No dunning letter was received from this company. I have never did any business with this company, nor have I ever heard of the company. The payment history for this account lacks veracity. Additionally, I have attempted on numerous occasions to gain clarity and insight on this erroneous entry. I sent a letter to First Credit disputing the validity of their entry and the mere fact that they did not provide any written communication to me prior to inserting the entry on my report. 
This company has had months to respond to me with the financial responsibility page or anything that verifies this account indeed belongs to me.

Consumer law provides that the creditor is expected to respond to your claim within 30 to 45 days and to inform you of the results of its investigation within five business days. It is obvious that First Credit has no intent to honor nor respond to my previous disputes with my signature reflected on the documentation ; therefore, in the absence of them not sending me notification prior to inserting this on my report, this entry must be removed from my credit report immediately.
Consumer complaint received 2023-01-13
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. (OH)

I have communicated over a period of one year with the credit reporting company that : The DEBTS shown are not mine and submitted the COURT DOCUMENTS indicating that the DEBT is not mine and they still have not removed the items.

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. 

Account name : XXXX XXXX # XXXX, Account name : # XXXX XXXX XXXX XXXXXXXX, 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 an 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 2023-01-13
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. (SC)

In accordance with the Fair Credit Reporting Act the following accounts have violated my rights. 15 U.S.C 1681 section 602 A. States i have a right to privacy. 15 U.S.C 1681 section 604A section 2 : It also states a consumer reporting agency CAN NOT furnish a account without my WRITTEN consent. Federal Law overrides any company policy. XXXX XXXX account number XXXX.
Consumer complaint received 2023-10-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: NAVY FEDERAL CREDIT UNION (MA)

XX/XX/2023 Way too many customer complaints with this XXXX XXXX. It is run like a military draft school with rules that defy logic and are at best self serving. Communications with escalation supervisors not forthcoming. This am, after many calls and emails I decided to pay off my car loan. I tried but they were not accepting of my linked, domestic bank accounts. The same kind of accounts they transfered my loan agreement to my car dealer. Only because I am paying off my loan they want to break up my final payments. This is not an international financial transaction. I owed {$12000.00} plus dollars and they only accepted {$10000.00} and told me to schedule the overage for the next day. I suspect its to make sure they can squeeze more intrest or penalize money out of you or better yet a late fee. Very sketchy!!
Consumer complaint received 2023-01-13
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. (OH)

I have communicated over a period of XXXX year with the credit reporting company that : The DEBTS shown are not mine and submitted the COURT DOCUMENTS indicating that the DEBT is not mine and they still have not removed the items. 
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. 

Account name : 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 an 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 2020-10-08
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: EQUIFAX, INC. (IL)

In an attempt to clean my credit account with the XXXX major credit bureaus. I filed disputes with XXXX XXXX XXXX XXXX Equifax XXXX and XXXX XXXX XXXX. 

XXXX : was very helpful in removing a bankruptcy that was dismissed and had several inaccuracies. 

Equifax : unfortunately never properly investigated this matter and refused to remove it before the XXXX suggested period. 

XXXX  : unfortunately never properly investigated this matter and refused to remove it before the XXXX suggested period.
Consumer complaint received 2023-01-13
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: EQUIFAX, INC. (OH)

A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back. 

I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my letters..
Consumer complaint received 2023-01-13
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NH)

I have been working hard to raise my credit score to XXXX for 7 years, and was shocked this week when on my TransUnion ( and other reports ) it had decreased 15 points due to a transfer of a loan. 
Upon advice of the Department of Education, I refinanced my XXXX XXXX XXXX and switched it to XXXX. It is the same amount, but came up as a new loan and my credit score took an incredible hit. 
I was hoping to buy a home, and refinance my auto loan with my XXXX score ... but now it is down to XXXX with a loan that IS NOT new. It had just been transferred to another lender with the hope of the Student Loan forgiveness.
Consumer complaint received 2020-11-13
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. (LA)

I reached out to Transunion on 2 different occasions about why I didnt receive my dispute results, in the time permitted by law. And was told they were going to send them out in 7 business days. I filed with them on XX/XX/XXXX and here we are XX/XX/XXXX and still no dispute or negative incorrect items removed from my credit report.
Consumer complaint received 2019-11-18
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: Experian Information Solutions Inc. (FL)

I received notification that XXXX XXXX XXXX XXXX has reviewed my credit report again without my consent. This is the 5 time in the last several years they have reviewed my credit report. Every time they do it I contact them and tell them I am not trying to buy a car. I have told them I have no interest in doing business with them in the past, present nor future. Stop pulling my credit report. 

After filing complaints, they contact me and say they got my information from a car deal. A car deal that I did not authorize to pull my credit!
Consumer complaint received 2023-01-13
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. (GA)

Pursuant to 15 USC ( b ) ( a ) ( 2 ) which states that a consumer reporting agency may furnish a report in correspondence with the written instruction of the consumer. I never gave XXXX, TransUnion and XXXX written consent. No consent is identity theft. Pursuant to 15 USC 1681 ( a ) ( 1 ) the banking system is dependent upon fair and accurate consumer reports by allowing these inquiries to remain on my report. I am losing confidence in the banking system if these unauthorized items are not removed I will no longer to do business with you.There was some fraud on my report and therere a bunch of inquiries that need to be removed and Im looking to purchase however these are fraudulent inquiry that hurts my credit score - 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 2021-01-25
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (TX)

Harassing phone calls from mortgage company. 

If I am late to pay my bill which is due on the XXXX, I start getting phone calls 7 days after during the evening hours and on the weekends. Also, the caller ID for the phone number they are calling from is labeled " THE DEFAULT DEPARTMENT '' implying that your mortgage is in default. All in an effort to stress out or harass the loan owner. 

Is the mortgage company allowed to harass the loan owner?
Consumer complaint received 2020-04-01
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have been asking for help from Bank of America in resolving an issue. Bank of America refuses to move a lateness from my credit report that was allegedly 30 days late by a few days in XXXX. Apparently the adjustments to the to the Cares Act section 4021 makes it illegal for the Bank to report a derogatory on a credit bureau. This 30 day late is making it impossible for my family with young children, to achieve any financing to assist us through this tough period. 

There are a whole host of issues and defenses also that make this reporting inaccurate. I have spoken to BOFA multiple times and have written many emails and letters. I have never been late and have been a client for many, many years, the payment was on autopay, i brought everything current the minute I heard about this. I moved at the same time, never received a phone call, email, or anything..I really have never dealt with a ruthless organization like this and am hoping that this gets out to people that are having a hard time through this pandemic and find a bank that will have some sort of mercy with their fellow human beings in the future. People out there are really going through a tough time right now. If someone could give me a call it would be much appreciated. XXXX
Consumer complaint received 2020-11-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (UT)

On XX/XX/2019 my bill did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.
Consumer complaint received 2020-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (GA)

Rushmore Loan Management Services is discriminating against us as XXXX XXXX XXXX  and U.S. Veterans who previously had our loan transferred to them from XXXX XXXX  during a Loan Forebearance period which completed in XX/XX/2019. During XX/XX/2019, we were advised to send our Loan Modification Application paperwork in and received countless delays in them processing our loan, whereby, the Veterans Administration Home Loan dept had to get involved. We are now experiencing discrimination and retailiation from Rushmore Loan Management Services who utilized biased and discriminatory practices on whom they choose to report late payments on during the course of the Applicants Loan Modification Process. Rushmore chose to biasely report our payments late during the loan modification and 3-mth trial period because we are XXXX XXXX XXXX  and U.S. Veterans who opposed their illegal business practices utilized against us during our Forbearance period which was approved by XXXX XXXX  and was supposed to be honored by Rushmore Loan Management Services. We raised these concerns to CFPB and the Veterans Administration. Hence, their has been retaliatory treatment by Rushmore Loan Management Services who is currently negatively impacting our Credit scores across all 3 Bueraus by at least 50 points which is now negatively impacting us with obtaining a VA IRRL with various lenders. 

Rushmore is utilizing double-jeopoady tactics as well for investors to receive more monies with VA IRRL Loans, since they knew a customer would be negatively impacting, although they were being approved for a Loan Modification due to extenuating medical and financial circumstances we experienced when our daughter was hospitalized for 35 days including XXXX  for a XXXX XXXX  condition. They did not care about the customer in this instance, as much as they care about keeping Shareholders and Investors appeased due to pure GREED & Retaliatory Tactics applied in choosing to report against XXXX XXXX XXXX who experienced an extenuating family medical and financial emergency, as opposed to other XXXX   XXXX. This is discriminatory and they are still doing the same thing during this pandemic epic COVID-19 occurring today.
Consumer complaint received 2023-01-13
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. (HI)

Experian I sent proof XXXX XXXX that my payment for XXXX was XX/XX/22 not late. And they want update my information.
Consumer complaint received 2020-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

XXXX  XXXX XXXX. XXXX XXXX XXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report.

The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle.

The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU US DEPT OF ED/XXXX XXXX XXXX XXXX XXXX XXXX   Experian XXXX XXXX  XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report.

The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle.

The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU US DEPT OF ED/XXXX XXXX XXXX XXXX XXXX XXXX   XXXX  XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report.

The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle.

The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU US DEPT OF ED/XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.