davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

" 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 TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

"
Consumer complaint received 2019-10-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A. (CA)

XXXX XXXX XXXX - $ {$2400.00} First Reported XX/XX/2019 Original Creditor-CITIBANK N.A. 
Phone Number ( XXXX ) XXXX AddressXXXX XXXX   XXXX XXXX, SC XXXX THIS DEBT COLLECTION AGENCY IS REPORTING AN ACCOUNT THAT WAS OPENED BY SOMEONE FRAUDULENTLY. 
ACCOUNT WAS ALREADY DISPUTED WITH ORIGINAL CREDITOR CITI BANK AND THEY AGREED TO REMOVE AND INFORM THE CREDIT BUREAUS. AFTER SEVERAL DISPUTE ATTEMPTS MADE ONLY XXXX IS STILL SHOWING THIS ACCOUNT ON MY REPORT AND ITS AFFECTING MY FINANCIAL NEEDS.
Consumer complaint received 2019-10-03
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. (FL)

I sent request about removal incorrect information on me credit report. I checked it and find out a few medical collection which I never belong to me. I always paid my bills in full and never had a dept. All of them opened like fraud accounts.

( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 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 information relating to any transaction by the consumer. ( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) of this section ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section ; and ( 4 ) of the effective dates of the block. ( c ) Authority to decline or rescind. ( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines that ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. ( 2 ) Notification to consumer. If a block of information is declined or rescinded under this subsection, the affected consumer shall be notified promptly, in the same manner as consumers are notified of the reinsertion of information under section 1681i ( a ) ( 5 ) ( B ) of this title.

Please remove as soon as you can every fraud accounts.
Consumer complaint received 2024-09-04
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: OneMain Finance Corporation (MD)

On XXXX I secured a personal loan from One Main. As a condition of the loan there were several different accounts that One Main agreed to pay on my behalf. All of the loans were paid with the exception of the payment of {$3400.00} to XXXX XXXX. I have called the office over a dozen times and I have reached out to their HQ and they consistently just yell and scream at me offering no solution other than a check number. I painstakingly shared with One Main that XXXX does not care about a check number if they do not have the money. I have confirmed with XXXX that they never received the payment. The extended issue is that the interest has compiled both with One Main and with XXXX. Additionally, this has an impact on my available credit as it shows on my credit report which has repercussions. The manner in which I have been treated and verbally abused is without conscious.
Consumer complaint received 2024-08-25
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Sunnova Energy Corporation (MD)

Subject : Complaint Against Sunnova Energy Corporation. for Breach of Contract, Non-Functioning Solar Panels, Meter Tampering, and Unauthorized Charges I am writing to lodge a formal complaint against Sunnova Energy Corporation. for their failure to honor the terms of our agreement, non-functional solar panel system, tampering with my XXXX XXXX, and unauthorized charges to my account. Despite multiple attempts to resolve these issues with the company, they have failed to take any corrective actions, leading to significant financial and service-related hardships over the past XXXX years. 

Details of the Complaint : Breach of Contract : I entered into a contract with Sunnova Energy International Inc. for the installation, maintenance, and provision of solar energy services through a solar panel system for a monthly payment of {$130.00}. However, Sunnova has failed to fulfill their contractual obligations, as detailed below. 

Dysfunctional XXXX Panels : Since the installation of the solar panel system, it has not functioned properly. Despite my repeated complaints and service requests, Sunnova has not made the necessary repairs or replacements. Consequently, I have not received any solar energy services for the past two years, which is a clear violation of the terms of our agreement. 

Tampering with XXXX XXXX : In addition to the non-functional solar panels, I have discovered that Sunnova has tampered with my XXXX meter. This unauthorized tampering has caused inaccuracies in my energy readings and billing, further compounding my frustration and financial losses. I am currently receiving monthly bills from XXXX between {$440.00} to {$500.00} from an average monthly bill of {$120.00}. 

Unauthorized Account Charges : Despite the non-functioning solar panels and the lack of services provided, Sunnova has continued to withdraw funds from my account. These charges are completely unjustified and amount to extortion, as I have been paying for services that were never delivered.
Consumer complaint received 2021-12-01
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Carter-Young, Inc. (MD)

I live in Washington XXXX DC. In 2018, while my son was attending XXXX XXXX, he asked me to cosign an apartment for him. I agreed to do so, and electronically signed an agreement with XXXXXXXX XXXX XXXX XXXX XXXX in XXXX SC on or about XX/XX/2018. However, after researching rent rates in the area, my son decided not to take the apartment. While checking my credit last year, I noticed a debt for XXXX owed to Carter-Young Associates . Once I discovered the mark on my credit report, I reached out to the Apartments first. Apparently they have charged me 2 months rent even though neither of us have never set foot in their apartment. As far as I know, he never even put down a deposit. When I expressed my displeasure with this policy, they referred me to Carter Young and stopped taking my phone calls. It feels as though I am being taken advantage of. They have to know a college student wouldn't be able to afford these rates. It seems they are charging the same price as a 2 bedroom apartment for a room. My agreeing to cosign was contingent upon my son accepting the apartment. If he doesn't take it, how are either of us still responsible for rent? I could understand some type of cancellation fee, but 2 months rent is ridiculous.
Consumer complaint received 2024-08-25
Product: Debt collection — Medical debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: W&A Intermediate Co., LLC (TX)

This company calls minimum 3 times a day from different numbers because I block them each time. This is not my charge and needs to be removed from report immediately. This company calls before XXXX they call after XXXX. They call on weekends very relentless. My credit report doesnt reflect late payments.
Consumer complaint received 2019-10-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (MA)

My home loan was sold to Loancare LLC in XXXX of 2019. My outstanding balance from my previous mortgage company was {$240000.00}. When it transferred to Loancare and after the account had been settled with my previous mortgage servicing company, Loancare has my outstanding balance at {$240000.00}. I have created a help ticket in XXXX with no resolution and I have followed up at least twice a week with no sign of resolution. I have requested supervisor/manager call backs and the call back percentage from my experience is approx 20 %. When a manager has called me back there is no resolution and little desire to correct or research the issue. This company needs to be corrected ASAP before other consumers are affected. I have not personally made a mortgage payment beyond what my previous mortgage servicing company have settled as I do not trust Loancare LLC. I have requested credit suppression and a call back from a manager which also has not happened. At this point I am considering refinancing yet again to do business with a reputable and trustworthy company that will own my mortgage for the life of the loan.
Consumer complaint received 2019-10-03
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem with direct deposit
Company: Comerica (AL)

I tried to charge a bill using my direct Express card and it wouldn't go through, so I went to my direct Express account and it said that my card is under fraud suspension, and everytime I call the direct Express 1-800 number and type in my card info and my social it says they don't have info about my card. I've been trying to talk to a representative for XXXX days literally and I yet to get hold of someone ... this is ridiculous.
Consumer complaint received 2021-12-31
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: SYNCHRONY FINANCIAL (PA)

Synchrony Bank repeatedly rips people off. I was able to win my first dispute with them. Now I find out they pulled my report again for no reason and are closing an account I paid of 3 months ago. This will negatively impact my score which I just raised to XXXX. By closing this account it will shrink my credit usage ratio DRASTICALLY. I received a letter that stated lack of real estate, high balances and a low score was their reasoning. I bought a house in XXXX, my score is XXXX and my usage got down to 13 %. They have repeatedly invaded my privacy, lowered my limit for now reason and are now actively closing an account which will directly affect my credit score, that will directly affect everything I apply for going forward, a refinance, costing me THOUSANDS OF DOLLARS.
Consumer complaint received 2021-12-31
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. (DC)

As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted XXXX, Equifax, and XXXX about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported on my credit report.
Consumer complaint received 2018-04-11
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (OH)

In the XX/XX/XXXXXXXX, I was looking for private loans to help me finish my last semester at XXXX. I had already reached my maximum Federal aid allowance, and was in need of private loan help. I called several companies for the best deal. Navient offered me a private loan where I did not need a co-signer, which was rare. I asked about having different repayment options for after I graduated, because I was worried that I would not have a job 6 months after graduating. The representative assured me that I would be able to apply for IDR plans once my private loans entered repayment. 6 months after graduating I called Navient to sign up for IDR because I did not have a decent job and my loan payments were $ XXXX/month. When I called the representative I was told that my private loans did not qualify for IDR, and that the only option for me was to enter into forbearance. I tried to argue this point, saying that I was promised I could get IDR, but to no avail. I had not choice but to take the forbearance, as I did not have the money to pay my loans. I paid {$50.00} per loan to put my loans on hold for a total of {$100.00}. I have called several times since then, and always get the same answer. I have been continuously putting my loan payments on forbearance ever since the XX/XX/XXXX. I originally took out 2 loans, one for {$10000.00} with an interest rate of 12.875 % and the other for {$11000.00} with an interest rate of 11.750 %. Now the loans equate to {$16000.00} and {$19000.00} for a total of {$35000.00} in debt.
Consumer complaint received 2024-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am formally submitting a dispute regarding the unauthorized and inaccurate information currently on my credit report. Upon a thorough review, I have identified multiple significant discrepancies that do not accurately reflect my financial history or actions. These inaccuracies include accounts that I did not open, incorrect personal information, and inquiries conducted without my consent. I request that you investigate and remove the following items : Personal Information : Employers : 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
Consumer complaint received 2024-11-08
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. (CA)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX {$00.00} INQUIRIES : XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2019-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AZ)

I initially filed a dispute of my mortgage account because it was reported as opened when it was already closed and paid in full. This information was subsequently updated, but after the update an " H '' code was added indicating that the loan had foreclosure initiated. This was a home mortgage with XXXX XXXX, XXXX. I tried contacting XXXX XXXX to correct this issue as I was lead to believe by Equifax that XXXX XXXX had reported this information to them. I filed a complaint against XXXX XXXX and they responded in writing that they never reported to Equifax that my loan had foreclosure initiated. They provided control numbers and written documentation of what they reported to Equifax. I then reached out to Equifax to try to resolve this issue as it now appeared that this was a data entry error on their end. They then advised they would not correct this issue unless I sent a letter and all of my documentation even though they confirmed they had the information in their system. I tried to print a copy of the dispute results from their site and had difficulty and had to call again to try to get access to that letter as they had never mailed a copy, they only offered electronic delivery which was not working. I tried to escalate the issue to a supervisor explaining everything that transpired and she then advised that even if I submit this information they will not correct it as they are stating the XXXX XXXX has placed a freeze on the account and that prevents them from correcting this erroneous information.
Consumer complaint received 2018-04-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (TX)

I had requested an early cancellation of my Primary Mortgage Insurance ( PMI ). This request was initiated in XX/XX/XXXX. At this point, Chase sent me a letter with XXXX XXXX as the primary investor on my conventional loan stating that an appraisal was required to ascertain value/loss of value in the home. The purchase price in XX/XX/XXXX was {$320000.00}. The appraisal value returned on XX/XX/XXXX at {$350000.00}. At this point, my LTV % was 79 %. Chase/XXXX XXXX DENIED my PMI Cancellation stating that the actual number was needing to be 75 % or less LTV. They are not stating facts clearly, or fairly. I requested Chase to send me terms of cancellation after 5 years ( which I cross my 60th payment on XX/XX/XXXX. They are demanding a new appraisal, AND STILL will not tell me CLEARLY what requirements need to be met in order for them to agree to cancellation of PMI. The appraisal is greater than 120 days ( just barely ) but they will not honor it, instead DEMANDING a new appraisal at MY expense.
Consumer complaint received 2024-11-08
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. (CA)

I am contacting you to formally request the blocking and deletion of unauthorized accounts and inquiries on my credit report. Due to a recent data breach, my information was compromised, and I am now experiencing fraudulent activity. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681c-2 ( a ), I am entitled to have fraudulent accounts and inquiries removed. 
Unauthorized Account 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-11-08
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. (AL)

I have noticed the following inaccuracies on my credit report : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I also want to address the charge-offs listed on my report. According to applicable laws, once a charge-off is declared, it can not legally be sold to a collection agency. Therefore, I request that any charge-offs be adjusted to reflect a zero balance. 

Furthermore, under the doctrine of estoppel by silence, as referenced in XXXX v. XXXX, it is presumed that no evidence of the debt exists. I demand the immediate removal of these items due to the ongoing litigation.
Consumer complaint received 2024-09-04
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: ALLY FINANCIAL INC. (TN)

This account represents a clear breach of contract and is fraudulent in nature. The bank failed to provide me with essential information regarding this fraudulent account, which is a direct violation of my rights as a consumer. Therefore, I urgently request the Consumer Financial Protection Bureau ( CFPB ) to handle this matter directly, as the bank 's actions have resulted in significant harm to my financial well-being. The account is : ALLY XXXX XXXX  XXXX
Consumer complaint received 2024-09-04
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I XXXX have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. XXXX XXXX