davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-23
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (WA)

I purchased the gift cards, but when I tried to use the card in the store, the transactions were declined for security reasons, and cases were opened ; case number XXXX ( on XXXX XXXX ) and XXXX ( on XXXX XXXX ). As requested, I sent attached documents to XXXX in order to get receive the replacement. But for all involved cards, I have been waiting for over XXXX month, but my money in the card was still unable to use. 

Case XXXX was previously filed with CFPB complaint XXXX, and I was notified the refund would be sent, but I had never received it. I inquired about this issue to XXXX on XXXX XXXX and XXXX XXXX, but no response was received. 

I am frustrated that the similar issue happens frequently, which is the company fails to replace the cards in a timely manner as promised. For all the involved cards, I request the replacement at the first place, but none of them is solved after I wait for over XXXX month, so I HAVE TO file the complaint to get my money back. Even if I followed up directly with the company, there was no response at all. 

Note that my money on all cards is stuck and inaccessible to use for over XXXX month, and yet I ask for the refund of remaining balance only, not including the gift card fee or interest loss on the fund. It is the company 's fault that has caused such a hassle, and I have tried my best to solve the problem with reasonable patience.
Consumer complaint received 2024-10-23
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: LEXISNEXIS (TX)

On XX/XX/year> I've made an investigation on LexisNexis regarding some improper information on my report. On XX/XX/year> I've received a letter stating that the list of errors were removed from my report. 
However when I received a new copy of my Lexisnexis Report on XX/XX/year> I still see the accounts on my report that Lexisnexis said was removed.
Consumer complaint received 2024-10-22
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: PNC Bank N.A. (NC)

I filed two complaints demanding itemized contractual defense of fees undisclosed I never agreed to being deflected from the principal and interest, and escrow, as expressly agreed in the Contract, HUD statement, and Truth in Lending Agreement in breach of contract. Upon express and written dispute being ignored, and in retaliation, PNC has to date failed to provide reasonable responses and explanations of certain entries as requested in my itemized notice of errors and demand for specific performance as agreed [ correction ] disputing the debt balance and, also, have now misrepresented fraudulently certain material facts in dispute via a non-judicial foreclosure proceeding further violating my right to due process/trial and denying my right to defend myself against their false claims and fraudulent pretenses with which an order for forced sale was obtained ex parte. The debt has been satisfied, but for their misapplication of funds collected to date, in breach of their fiduciary duty. They have misrepresented the nature, beginning balance, and current balance of the principal in addition to their unjust enrichment due to their breach and refuse to honor the Contract or make corrections to the account to properly reflect the balance and provide me a letter of satisfaction. In XXXXXXXX XXXX XXXX XXXX, they removed any record of negative reporting. XX/XX/year> ( after 20 years ) they filed a Deed of Trust and fraudulent motion for lis pendens without proper service of process and right to contest/ demands for trial almost a year after my initial contestation and CFPB complaint without good faith reasonable defense of their mishandling of funds in breach and/or notice of correction. We paid for this fixed note for 21 years, and only upon dispute of payoff they refuse to reasonably discuss, did they allege default.
Consumer complaint received 2018-03-05
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC (CA)

Loan was with XXXX XXXX XXXX first, was transferred to Nationstar Mortgage now Mr Cooper ( see balance reduction letter XX/XX/2012 ) was transferred in process like so many other people! Faxed plenty of times always missing something even with proof of fax! Bank wont honor letter and always refute a complaint even when you have proof! Do the right thing i guess is not what banks do!
Consumer complaint received 2024-09-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (OH)

I have student loans that I have been paying on since XXXX. I have had zero forgiveness although I have worked for a non profit since XXXX. My payment counts have not updated. I have no access to old servicers such as XXXX XXXX, XXXX XXXX, Mohela. I have different amounts due on my loans. This is unfair to do to people. I have paid and my payments are not listed.
Consumer complaint received 2022-10-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (MD)

Received an unsolicited email from Synchrony Bank saying I had a payment due for for purchases made on an Amazon credit card, but I have NO such account/balance. I believe this is a deceptive advertising tactic or outright fraud.
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MI)

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 2024-10-17
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)

i have not supplied proof under the doctrine of estoppel by the silence XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that no proof of the alleged debt. nor therefore any such debt in fact therefore exsits. ( please remove this account before I seek litigation for defamation of character ) XXXX XXXX balance {$0.00}, XXXX XXXX XXXX balance XXXX, XXXXXXXX XXXX XXXX  balance {$0.00}
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

The amount of times I have reached out to your company and not hearing anything back from you or about the accounts I am trying to get removed off my report is innumerable- or perhaps more stressing than anything. I can not get as much loan approvals because of the inaccuracies in my report.
Consumer complaint received 2024-10-17
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. (PA)

To my disbelief, I discovered inaccurate accounts on my credit report this morning, with absolutely no idea how they ended up there. I routinely check my report, and this time was different. I refreshed my browser, hoping for a glitch fix, but the accounts stayed. I am urging a thorough review of the documents Ive sent to resolve this and put my mind at ease for good.
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My account with US DEPT OF EDXXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

US DEPT OF EDXXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2024-09-24
Product: Credit reporting 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)

Today, I discovered unauthorized credit inquiries that I can't explain. I regularly monitor my credit report, but this time there were discrepancies that appeared out of nowhere. I refreshed my browser, thinking it was a glitch, but the unauthorized inquiries didn't disappear. I'm asking for a thorough review of the documents I sent to resolve this issue and to stop it from happening again.
Consumer complaint received 2024-08-28
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: EQUIFAX, INC. (NH)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-09-18
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: LEXISNEXIS (MA)

Contacted consumerrisklexisnexis.com requesting credit freeze at XXXX XXXX XXXX. 
First contact with female requesting drivers license in addition to social security number, refused to place credit freeze related to fraud and inaccurate information. Second call placed were upon I had to recite the Fair Credit Reporting Act reminding the male customer service person that the social is the identifier. This cs person also requesting drivers license information!! lol. Requested repeated requests to verify address and reported he was going to mail out the report to the non mailing address!! 
In addition to this, the prior cases I reported have a XXXX smell which is really criminal including theft of large amounts of monies, properties and assets. That case should NOT be closed, it should have been investigated, hence I am writing another request since I have soooooo much free time on my hands. ( no, in actuality I don't however, my sarcasm gets the best of me from time to time ) Its pathetic to me that this has not been addressed appropiately and that the people I have spoken to are incompetent XXXX 

Sincerely XXXX XXXX
Consumer complaint received 2024-10-16
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. (IL)

I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.
Consumer complaint received 2024-11-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Onity Group Inc. (CA)

PHH Mortgage for XXXX years in a row has not made my home owner 's insurance premium payment on time. I have to contact PHH and spend over an hour ( each year ) with my insurance company trying to not have my insurance company cancel my insurance. Insurance is a big deal in California as many insurance companies are looking for reasons to exit the state. I demanded PHH voluntarily release my impound account due to negligent administration of it, but PHH refused. There should be consequences to PHH for this but there are none.
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I did not consent to, or authorize nor benefit from any of the following accounts. Block and remove it. 
XXXXXXXX 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 2024-10-16
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)

Its absolutely shocking to find that there are incorrect accounts on my credit report today, and I have no clue why this happened. I regularly check my report, but suddenly, there were these discrepancies that didnt make sense. I even refreshed the page, hoping it was a glitch, but the errors stayed. I need these documents checked carefully so that I wont have to worry about facing this kind of stress ever again.
Consumer complaint received 2023-09-18
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)

XXXX XXXX XXXX is third party company which illegally reporting on my credit report I have not give written consent or agreed for XXXX to report to my credit XXXX hasnt vaildated the debt that they claim I owe also XXXX XXXX isnt the lien holder of my auto loan so they shouldnt even be reporting to my credit at all if XXXX XXXX needs to delete from credit report immediately attached will be proof by law only the original creditor can report to credit report
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (RI)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-11-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CREDIT ACCEPTANCE CORPORATION (TX)

When I disputed this record with the credit bureaus, they stated the information was verified. However, because credit recording agencies often use software that doesnt provide complete investigations, I am disputing the information directly with you. This is my right under section 623 of the Fair Credit Reporting Act ( FCRA ).

Im also asking that you send your method of investigation, along with all records, as well as documentation that proves the account belongs to me. As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. Agreement with the creditor that authorizes you to collect on this alleged debt ; The agreement bearing my signature stating that I have agreed to assume the debt ; Valid copies of the debt agreement stating the amount of the debt and interest charges ; Proof that the Statute of Limitations has not expired ; Complete payment history on this account along with an accounting of all additional charges being assessed.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

In accordance with the Fair Credit Reporting Act XXXX XXXX Account # 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.
Consumer complaint received 2024-11-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Americas Car-Mart, Inc. (AR)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Inaccurate Credit Report Information Dear XXXX, I am writing to formally dispute inaccurate information on my credit report. My name is XXXX XXXX, and my Social Security number is. I have reviewed my credit report and found an error that needs immediate correction. 

Account Information : Creditor XXXX XXXX XXXX XXXXXXXX Account ID : Date Opened : XX/XX/XXXX ( XXXX ) Date Last Active : XX/XX/XXXX ( XXXX ) Date Last Payment : XX/XX/XXXX Last Reported : XX/XX/XXXX ( XXXX ) Current Status : Repossession Nature of Dispute : The account is inaccurately reported as a repossession. According to the attached " Notice of Proposal to Accept Collateral in Full Satisfaction of Obligation '' from XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, the lender proposed to accept my vehicle ( XXXX XXXXXXXX XXXX XXXX VIN : XXXX as full satisfaction of my debt. I accepted this proposal on XX/XX/XXXX, as evidenced by my signature on the document. The document clearly states that upon acceptance, I would have no further obligation to pay the remaining debt, and the vehicle would not be considered a repossession. Reporting this account as a repossession is inaccurate and misleading. 


FCRA Violations : Inaccurate Reporting : The Fair Credit Reporting Act ( FCRA ) requires that only accurate information be reported. Reporting this account as a repossession violates FCRA provisions by misrepresenting the nature of the agreement ( 15 U.S.C. 1681e ( b ) ).

Failure to Correct Errors : If I dispute this error and it is not corrected, it further violates the FCRA, which mandates that credit reporting agencies correct or delete inaccurate, incomplete, or unverifiable information within 30 days ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ).

Requested Action : I request that you : Correct the status of this account to reflect that the debt was fully satisfied without repossession.

Remove any negative marks associated with this incorrect repossession from my credit report. 

All credit reporting agencies involved stated they did an investigation and found the provided evidence as insufficient, which is severely incorrect. The first letter was sent and then the second letter sent less than 30 days later, because I received a response from the credit reporting agencies. XXXX nor XXXX properly responded to method of verification, instead once again stating the information was accurate and that I needed to contact the original creditor directly.