davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-18
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: Bread Financial Holdings, Inc. (GA)

On Apr XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX add a hard inquiry on my credit report per XX/XX/XXXX 
On XX/XX/XXXX, XXXX XXXX XXXX XXXX add a hard inquiry on my credit report perXX/XX/XXXX 
On XX/XX/XXXX, COMENITYCAPITAL/XX/XX/XXXXadd a hard inquiry on my credit report per XX/XX/XXXX
Consumer complaint received 2020-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Florida Department of Revenue is reporting two closed accounts on my Transunion credit report, one closed account on my XXXX  credit report and two closed accounts on my XXXX  credit file. These accounts are inaccurate, reporting inaccurate balances and inaccurate case statuses. I have made contact with Florida Department of Revenue on many occasions to request that this information is corrected. I have also disputed this information through the credit reporting agencies with no resolution only a return of information verified, but with no documentation provided to confirm the accuracy of the information provided.
Consumer complaint received 2021-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

it states on my credit report that I'm 90 days late but prior to that it states my payment history is on time. 
If the account is reported as OK, OK, 90, it means that the 2 " OK '' payments are inaccurate.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2020-11-18
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: NAVY FEDERAL CREDIT UNION (SC)

On XXXX XXXX someone took out personal expense loans. One for {$9900.00} and one for {$32000.00}. I was unaware of the loans when Navy Federal Credit Union sent me bills for each account. My accounts were hacked into around the same time as the loans. I have resolved getting most of the money back but Navy Federal Credit Union said that I am responsible for the two loans. I never applied for, signed any documents or qualified for the loans. Two people involved in the hacking were actually NFCU accounts holders that did a Member to Member transfers from my accounts into theirs. I did file fraud paperwork on XX/XX/XXXX with the Fraud Unit and filled out paperwork and sent it to XXXX unit. My biggest complaint is why am I having to pay back loans that I didnt apply for. The loan payment on each loan far exceeds my monthly income.
Consumer complaint received 2021-01-21
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. (AZ)

Experian Member ID XXXX I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime. I copied from my online Experian credit report the item I am disputing ( see below ). The item I am disputing does not relate to any transactions that I have made or authorized. Please remove this information at the earliest possible time. 
This lender has accessed my credit file : US SM BUS ADMIN ODA Federal Government Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Contact info XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Per XXXX at the US SM BUS ADMIN ODA 800 number XXXX, the following Application # XXXX was submitted to their office that contains my personal information that has been used without my knowledge or consent. 
I want this removed from my credit report and the application SHUT DOWN.
Consumer complaint received 2020-11-18
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BANK OF THE WEST (SC)

I obtained a boat loan in XXXX of 2017 through Bank of the West ( BOW ). Never missed a payment. In XXXX, when the pandemic started, they started a loan assistance program where i could defer my payment for three months and extend the loan terms for three months, with the understanding my principal balance would still accrue daily interest during deferral period. Three payments were deferred, XX/XX/17, XX/XX/17 and XX/XX/17. I resumed my payments on XX/XX/17. My XX/XX/17, XX/XX/17, and XX/XX/17 were all applied as one hundred percent interest and zero to principal. I have disputed this with Bank of the West as this was not what was verbally explained to me on a recorded phone call. I initially reached out to BOW on XXXX with regards to this matter and all they could say was this was correct. I wanted a recording of the call and they said they would research and make it available which they have yet to do. I asked for an updated amortization schedule proving the interst had accumulated and they have not provided. I have had 11 email correspondence and four phone calls with a total wait time on the calls of over 2.5 hours. Here is my last correspondence where i had to manually calculate the interest and show them they are wrong. I need help as they are very slow to respond and are not willing to provide the necessary help in order to correct this matter. 

Based on what I have researched. If you are telling me my loan accrued daily interest for the three months with the principal balance being {$22000.00} at the time I accepted the deferral program, with my interest rate being 5.74 %, my daily interest should be calculated at approximately {$3.00} per day. If I deferred payment for 90 days, my interest accrual should be approximately {$320.00}. I resumed my payment of {$210.00} on XX/XX/17 and 100 % went to interest. My XX/XX/17 payment of {$210.00} was applied as 100 % to interest. My XX/XX/17 payment of {$210.00} was applied as 100 % to interest. 

By my calculation, that is {$640.00} that was applied straight to interest from XXXX. This is NOT correct. I only accrued {$320.00} in interest. I need someone to spell it out. I am also tacking on three deferred payments on the back end of the loan ( as YOUR attached email describes ) so the amortization should have evened this out over the life of the loan, not on the front end after the deferred payments. I do not understand this and I should not be the one having to figure it out.
Consumer complaint received 2020-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

HARD INQUIRIES i applied to purchase a new vehicle ( and vehicle insurance ) and the dealership submitted my information to several companies that placed a hard inquiry on my credit report. I called the credit bureaus to see what can be done, they advised me to contact each company to have them sent me a inquiry deletion letter but the companies do not know of such a letter. I called the credit bureaus back for assistance and was advised of my options which are to obtain a letter of deletion, file a police report or contact CFPB. I did not want to file a police report.
Consumer complaint received 2020-11-18
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ECMC GROUP, INC. (OH)

XX/XX/XXXX XXXX XXXX USED INFORMATION FALSELY/FRAUDULENTLY TO COLLECT STUDENT LOAN MONEY IN MY NAME AFTER I WITHDREW FROM THEIR COLLEGE TIMELY IN THE YEAR 2000. I NEVER ATTENDED THEIR COLLEGE OR RECEIVED ANY EDUCATION BENEFITS FROM THIS COLLEGE OR THE MONEYS COLLECTED BY THIS COLLEGE IN MY NAME. AS A RESULT OF THIS FRAUDULENT ACTIVITY ON THE PART OF THIS COLLEGE AND FRAUDULENT LOAN PROCEEDS THE LOAN SERVICERS OF THESE LOANS ECMC CONTINUES TO REPORT THIS FRAUDULENT LOAN TO THE CREDIT BUREAU IN VIOLATION OF THE FAIR DEBT CREDIT REPORTING ACT. ECMC IS A THIRD-PARTY DEBT PURCHASER WHO IS REPORTING AN OUTED FRAUDULENT DEBT FROM THE YEAR XX/XX/XXXX. I HAVE MADE NUMEROUS REQUESTS OF THIS THIRD-PARTY DEBT PURCHASER TO VALIDATE THE DEBT AND PROVIDE ME WITH THE ORIGINAL DEBT INSTRUMENT IN ACCORDANCE WITH THE FEDERAL DEBT COLLECTION AND REPORTING ACTS TO NO AVAIL. ECMC IS REPORTING FALSE INFORMATION TO REPORTING AGENCY IN REFERENCE TO THE DATE OF LOAN ORIGINATION, DEBT AMOUNT AND OTHER FALSE INFORMATION IN VIOLATION OF FEDERAL LAW. I HAVE PLACED ECMC ON NOTICE AND REQUESTED NUMEROUS DISPUTES OF THIS FRAUDULENT AND INACCURATE INFORMATION REPORTING TO MY CREDIT FILE AND ECMC HAS REPEATEDLY REFUSED TO FOLLOW THE LAW IN THE DISPUTE PROCESS EACH TIME. ECMC CONTINUE TO REPORT THIS ACCOUNT AS A OPEN ACCOUNTS AFTER 20 YEARS AND ALLOWS THIS TO MAKE MONTHLY LATE PAYMENT ACTIVITY IN MY ACCOUNT REGARDLESS OF THE FACT THAT THIS ACCOUNT IS TIME BARRED UNDER FEDERAL LAW. THEIR ACTION HAVE RACIAL UNDERTONE AND EVIDENCE BEHAVIOR OF RACIAL PROFILING AND WELL AS FRAUDULENT ILLEGAL ACTS THAT ARE PROHIBITED BY LAW.I REQUEST AN INVESTIGATION INTO THESE ACTIONS. 

THANK YOU XXXX XXXX
Consumer complaint received 2020-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SD)

I have tried to get my free annual credit report but have not been able to from XX/XX/XXXX when you get to the verification section online, it asks for things that i never had like a car loan information and i have never had a car loan. It also asking for mortgage information and i have never had a mortgage ( never owned a home ). then it asks for credit account info with creditor I dont know of and have never had any account with, At least two of the three bureaus have the online feature set up to asks questions that don't pertain to me at all so that i can't complete the verification process and get to my credit report. XX/XX/XXXX and transunion also have their online system set up to block you from logging in to dispute any of the inaccuracies or fraudulent information they post to your credit report just cause they feel like it and the credit bureaus don't thoroughly investigate the information before ( or after a dispute ) they start posting things to your credit report.
Consumer complaint received 2023-08-24
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: American Location Specialists (WI)

The Company " American Location Specialists '' contacted my employer and my wife ( fiance at the time ) regarding a case that was going to be filed by a payday loan company called " XXXX ''. During the phone conversation, they were unable to provide any proof that I owed any money to this company and represented themselves as a company that just calls and warns citizens before they're about to be sued. They pressured me into paying over {$2000.00} ( I'm still paying monthly ). I had financial trouble about 6 years ago and figured something was coming back to bite me. But recently, I asked this company for proof of what I owed again and the contract of the loan I supposedly signed with " XXXX XXXX and they were unable to provide that information. 

I would like to both submit this formal complaint due to XXXX collection tactics ( calling my employer and wife ) as well as investigate if I should really be paying this company {$200.00} per month.
Consumer complaint received 2020-11-21
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. (GA)

I have disputed the inaccurate reportings with TransUnion, XXXX, and XXXX several times to no avail. The following addresses are incorrect and do not belong to me, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX I never paid the following accounts late, XXXX XXXX : TransUnion is reporting a payment status of Current but then reporting a late payment of 30 days late in XX/XX/XXXX, XXXX is not reporting this account, XXXX is not reporting this account, XXXX XXXX : TransUnion is reporting a payment status of Late 120 Days then reporting late payments of 30 days late in XX/XX/XXXX, 60 days late in XX/XX/XXXX, 90 days late in XX/XX/XXXX and 120 days late in XXXX through XX/XX/XXXX, XXXX is not reporting this account, XXXX is not reporting this account. The following accounts do not belong to me and should be removed from my credit file, XXXX Account Number XXXX TransUnion is reporting an opened date of XX/XX/XXXX with a past due balance of {$1000.00}, XXXX is reporting an opened date of XX/XX/XXXX with past due balance of {$480.00} and XXXX is reporting an opened date of XX/XX/XXXX with a past due balance of {$680.00}, XXXX XXXX XXXX Account Number XXXX TransUnion is not reporting this account, XXXX is reporting an opened date of XX/XX/XXXX with a past due balance of {$5400.00}, XXXX is reporting an opened date of XX/XX/XXXX with a past due balance of {$5400.00}, XXXX Account Number XXXX TransUnion is not reporting this account, XXXX is not reporting this account and XXXX  is reporting an opened date of XX/XX/XXXX with a past due balance of {$430.00}. I have reached out to the credit bureaus to help me in getting this matter resolved. Is TransUnion, XXXX and XXXX considered to be furnishers? These accounts either do not belong to me or were not paid late and TransUnion, XXXX and XXXX have failed to plead their case to who has provided them with this false information. Please help me to get this matter resolved.
Consumer complaint received 2020-11-18
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: New Century Auto Sales, Inc. (OH)

My husband and I went to the original place we got 2 cars from to purchase another vehicle in XX/XX/XXXX. We specifically asked to go through the original creditor for the loan on a XXXX to XXXX vehicle. So far, my husband has 12 hard pulls on his credit and it's dropped his score 100 points. I have a total of 9 and it has dropped my credit score as well. These are all hard pulls and they are for XXXX vehicles and worth over XXXX. We both tried talking to the company but they said " they were just trying to get the best deal '' and when we reminded them that it was not agreed on they stated it was allowed to find the best deals.
Consumer complaint received 2020-11-18
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: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

On XX/XX/2020, XXXX XXXX XXXX XXXX add a hard inquiriy on my credit reports per XXXX, XXXX and XXXX. 
On XX/XX/2020, BK OF AMER add a hard inquiriy on my credit report per XXXX.
Consumer complaint received 2023-09-29
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. (IN)

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. I told the XXXX, XXXX, and Equifax to reinvestigate this account : XXXX XXXX : account last XXXX # XXXX. On XX/XX/2023 about XXXX am I XXXX XXXX contract XXXX XXXX phone number XXXX spoke to XXXX and i asked for my full account number she refused to proved me the full account number. She advised me to call [ XXXX ] i spoke with XXXX about XXXX XXXX from account recover and i asked for my full account number she advised for security purposes they dont have access to that information However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 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. Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Consumer complaint received 2020-11-21
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: ACRE MORTGAGE (PA)

On XX/XX/2020 I decided to go another Mortgage lendering after Acre Mortgage missed my mortgage commitment date of XX/XX/2020. Fearing loosing my house I signed a written request to cancel my loan and transfer my appraisal. XXXX XXXX the owner immediately contacted me and told me that if I left XXXX that he would charge me all types of fees. I contacted my XXXX XXXX XXXX and she told me it was illegal for him to threaten and intimidate me like that. She also told me that I did not sign anything stated I would be charged a fee for canceling my loan. This felt like predatory lending! Acre Mortgage has now cause me to miss my settlment date of XX/XX/2020. I am praying not loose out on my home purchase. Please help!
Consumer complaint received 2020-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I asked them to remove a XXXX account in XXXX of 2020 because the account had been closed upon an agreed payment between me and XXXX for {$200.00} for a XXXX dollar debit, and in XXXX of 2020 it became 7years old and I asked for it to be removed, they said it could stay longer then the 7 years and it would be on record until XXXX and now its XXXX and they havent removed it.
Consumer complaint received 2020-11-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I've submitted claims against 2 companies. Both were denied for invalid reasons. One I was told was denied because I had prior business with the company even though the had given me a credited. I contacted the companies regarding the charges and that is all that they refunded. The other is a company that I never dealt with. I have dealt with companies similar to this company and that who I though was pulling from my account but I later found out that it wasn't.
Consumer complaint received 2020-10-09
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. (TX)

Attention : Consumer Relations, I recently obtained a copy of my credit report from your service and have found the following items to be in error. I have provided documentation as evidence that the items in question are inaccurate and need to be deleted from my credit report.

Item # 1 : I dispute XXXX XXXX XXXX XXXX Balance {$7800.00}, account XXXX. This is not mines. The company didnt send me any notification of debt. This is required by law. Please delete this account. I have sent copy of dispute with original creditor prior to sale of account debt. I also have attached letter from FCO removing me from debt.

Per Section 611 of the Fair Credit Reporting Act, I am requesting that you re-investigate those items indicated, and promptly delete any item that is not valid, is inaccurate, or has outdated information from my credit report. In addition, I am requesting a description of how the investigation was conducted along with the name, address, and telephone number of anyone contacted for information. 

Please send me an updated copy of my report, and notification that items have been deleted. I will consider 30 days a reasonable time for you to validate these items. Thank you for your prompt attention in this matter. 

Respectfully, XXXX XXXX XXXX