davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NORTHWEST BANCSHARES INC (PA)

In XX/XX/XXXX my mortgage with XXXX XXXX XXXX was transferred to Northwest to oversee my acct. I filed a dispute with your agency against Northwest and a decision was made that my claims should not be against Northwest but against XXXX Since then XXXX has filed and rescinded the foreclosure on my property. There is currently a complaint against XXXX  with the Attorney Generals Office. My attorney is still waiting for XXXX to get back to them on how they are going to negate the issues. After reviewing my credit report I found that Northwest was reporting to the credit bureaus. I contacted them in XX/XX/XXXXand ask them to remove the account at least until we know the outcome of my case since it is still pending and no decision is made. The representative said they has to contact XXXX  and will call me back. When the rep called me back she said XXXX  said that if I had a problem to contact them. When I contacted XXXX they never addressed my issue about the Northwest but continued to go back and forth about the pending case. Therefore contacting you is my only way of resolving this.
Consumer complaint received 2021-02-03
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: Experian Information Solutions Inc. (GA)

I have had my identity stolen and I have contact the police and received a report and sent it to both XXXX and XXXX XXXX. They will not accept that I am telling it's not of my doing and now I can't refinance my house and I am forced to put it up for sale
Consumer complaint received 2021-02-03
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (IL)

They're not applying the payments correctly and they got a lot of complaints against them for the same problem also they over charging us over 79 days of interest please look into my next step is contacting the XXXX I made money orders for XXXX payment and a extra XXXX for the principal balance and then I made a money order for XXXX and sent a extra XXXX. They saying that they applied all the money to 1 payment now saying that we owe 79 days of interest please look into
Consumer complaint received 2021-02-03
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. (WI)

My XXXX car loan is showing late payments. I have been attempting to have the late payments removed by disputing every month since XX/XX/XXXX. I've disputed between the months of XX/XX/XXXX - XX/XX/XXXX. Each time the dispute is initiated - XXXX reports updated information to XXXX, Experian and XXXX  changing the level of delinquency and in which months the payments supposedly happened. The Fair Credit Report Act explains that since the information is inconsistent it must be removed and not updated. I attached the latest example of how XXXX is reporting different late payments to XXXX and Experian. Please help me to have all late payments removed from my credit reports.
Consumer complaint received 2021-02-03
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: American Credit Acceptance, LLC (NY)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. XXXX XXXX XXXX Inquiry : XXXX. XXXX, 2020 AMERICAN CREDIT ACCEPTAN Inquired on XX/XX/2020. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.
Consumer complaint received 2021-02-02
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. (TX)

hiding a collection under exceptional payment history to deceive me ... ... ... ... ... 

proof will be in the attachment XXXX XXXX XXXX {$3100.00} Balance updated XX/XX/2020 XXXX late payments unfair practices
Consumer complaint received 2021-02-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Bread Financial Holdings, Inc. (AZ)

I opened an account with Commenity Bank or A.K.A. XXXX XXXX  around XX/XX/XXXX, In XX/XX/XXXX I was traveling throughout XXXX at the time and unfortunately I had lost my debit card on 2 separate occasions the first time in XXXX XXXX when I notified the bank of any transactions that were not mine. After 10 days the applied a provisional credit and then the second time unfortunately in XXXX, I had lost my card and at the time I had my phone stolen. I had been using my digital card a lot because I was traveling and I was trying to prevent any type of identity theft which is common in the areas I was traveling through.. I was contacted by XXXX because there was a numerous suspicious charges on my account. So I closed the card filed a dispute and in 10 days I received a provisional credit. Well in the end if XX/XX/XXXX I was notified they denied all my disputes and would be taking back all provisional credits they had provided me in the past. 4 times I contacted a XXXX XXXX  to ask why they had changed there decision and they promised to send documentation as to why they were denied. Nothing has been received still as of XX/XX/XXXX, I asked if I could appeal this decision to all my disputes and I was told no that all decisions were final. They took back in total about {$1300.00}. Since then they closed my account I can not access statements and I am told that any funds left will be mailed to me but will not provided any further information.
Consumer complaint received 2021-02-03
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. (MD)

XXXX has been reporting incorrect payment history to all three credit bureaus. My loan and been in deferment and forbearance all of 2020 until now, but the mortgage company is reporting me being 60+ days late to all three bureaus. I have called them in and I have sent them a letter in XX/XX/2020 asking them to correct my payment history. I can not be late if there haven't been any payments due. 

They are violating the rules of the FCRA, the CARES ACT, and the Fair billing act by reporting incorrect payment history to Transunion, XXXX, and XXXX. Each bureau is reporting different payment information because XXXX  refuses to fix their reporting. 

I have included my letter to them requesting that they correct the payment history, the forbearance letter from them, and a copy of my credit report showing the incorrect payment history.
Consumer complaint received 2021-02-03
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: Rocket Mortgage, LLC (IL)

On XX/XX/2020 Quicken Loans called me and started asking a line of questions in regards to my property and what I think the current market value of my home is worth. 

They did NOT inform me that I was speaking to a licensed loan officer XXXXXXXX XXXX XXXX nor did they imply in any way I was answering questions for any application. 

They were simply asking me questions about my current mortgage and going over my property value and current interest rates, and they told me that they needed to ask me for my personal information for security reasons. 

I absolutely DID NOT, in any way shape or form give them permission to pull my credit. 
I did not ask them the refinance my home. I did not ask them to see if I qualify. 

XXXX XXXX  from Quicken Loans pulled my credit without my permission and did not inform me that she was doing so on the call. 

Then I spoke to her associate XXXX XXXX from quicken Loans right afterwards about the situation and told her what happened and she assured me that they would remove the inquiry. 

She requested that I send them a written request for the inquiry to be removed, and I sent them a letter via email. 

They did not comply and the inquiry remains on my report till this day. I would like this inquiry removed from my report immediately. 


a. Date of Inquiry ( XX/XX/2020 ) b. Company name on the inquiry ( Quicken Loans/ XXXX XXXX  ) c. Request to delete the inquiry
Consumer complaint received 2021-02-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

On XX/XX/2020 I sent communication to XXXX, XXXX, and XXXX  credit reporting agencies with a dispute about an item that I did not recognize and had never entered into any agreement with. After sending in the dispute, saying that the debt reported was not mine and did not belong to me and asking for proof to verify it, or delete it, I was then told that it was verified. Soon after, I received a letter in the mail from Portfolio Recovery Associates, LLC  stating that I somehow owe them money on a XXXX XXXX  account I had. They showed me old statements that I had with XXXX XXXXXXXX, but I never received a single document stating or showing that I entered into an agreement with Portfolio Recovery Associates, LLC, even after asking for proof. 

After numerous illicit calls from them, I found out that as per the Fair Debt Collections Practices Act, it is illegal to collect money for something when you do not have any legal standing to collect that debt. After asking for the debt to be removed upon not being able to verify it, my request just came back verified and was not removed. As I stated earlier, I have never spoken to, dealt with, or entered into any agreement with Portfolio Recovery Associates, LLC. They are illegally trying to collect money from me, and they are hurting my credit and my livelihood by reporting this illegally on my credit report. I do not want to sue anyone but I also take this seriously, and breaking the law to harm me financially is something that I do not take lightly. 

According to the provisions of the Fair Credit Reporting Act 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] Reporting information with actual knowledge of errors. 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 2024-09-10
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. (NY)

Under the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15U.S.C 1681. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C. 1681 Section 602A states that I have the right to privacy.

15 U.S.C .1681 Section 2 604A states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c. Section ( a ) ( 5 ) states : No consumer reporting agency may make any consumer report containing any of the following items of information or any other adverse item of information other than records of convictions for crimes that antedate the report by more than XXXX 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 2021-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HYUNDAI CAPITAL AMERICA (CA)

In XX/XX/XXXXfinanced a car with Kia Motors Finance, in XX/XX/XXXX I was in a car accident ( not at fault ) I was on time with my payments and never tried to neglect my payments. Car was totaled and there was a bit delay with the insurance and Gap to pay what they had to pay. After they paid it, it left me with a balance of {$120.00} which I never received correspondence letters which they claim they did send them. KMF took it upon themselves to put a charge off on my credit report from the date of the accident until XX/XX/XXXX. In XXXX was when I received the first letter from KIA that I owed that much so I payed it right away because I had no intention to neglect my payments. Payments from insurance And gap were never posted as on time but instead as a Charge off on my credit report.. I have already disputed this 2 times with credit bureaus and nothing gets fixed I also put a complaint with XXXX over a month ago and KIA MOTORS FINANCE wont answer to my complaint or message XXXX  back. I also snapped a picture of my account that said I had no payments due on XX/XX/XXXX and {$0.00} principle balance but yet KIA MOTORS FINANCE has it Reporting to credit bureaus as charged off in my credit report.
Consumer complaint received 2021-02-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Great American Finance Co (CA)

The company Im disputing is Great American Finance, I had gotten a lawyer a while ago, and got all my debt cleared up. This specific company came back on my report stating that I still have a past due balance due. Even though I disputed the amount to them, it came back as current info. I have tried calling this company numerous times to get a hold of someone to get a better understanding as to why it came back on my report, and/or I will just pay it off so its not on my report again. Please help the best you can. Thank you a lot.
Consumer complaint received 2021-02-03
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CURO Intermediate Holdings (GA)

I requested a signed contract between myself, and AD Astra in XXXX of 2020. They responded with a contract between myself and Speedy Cash with an electronic signature. They have yet to respond to me requesting they send proof that I owe them.
Consumer complaint received 2021-02-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (KS)

I did a mobile deposit for my XXXX  stimulus check and received my debit card and activated it, as soon as I activated it they put a hold on it and say they can't release it because my phone number, which is on my account, isn't found with my name when they use some 3rd party search thing.
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My account with TransUnion 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 XXXX XXXX before the payment due date. 


TransUnion Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered XXXX XXXX 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 2021-02-03
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/2020, I sent a letter regarding innacurate and unknown thing on my credit report to the XXXX bureaus, XXXX XXXX Transunion. To this day over 45 days later I have not received a response yet. Section 611 ( a ), stated that a failure to investigate these items within 30 days gives a reason to immediately remove the items from my credit report that was inaccurate and unknown that I was disputing. It has passed the legal limit stated by section 611 ( a ) so it should be removed immediately. I demand these accounts be deleted immediately or I will file for litigation due to the stress this has caused me.
Consumer complaint received 2021-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (OH)

I have been unable to get into my Experian account for several months. This is critically important because I need to add a security freeze after someone fraudulently filed an unemployment comp claim using credentials exposed in a data breach. 

It appears that I set up an Experian account with them more than 5 years and before the days of two factor authentication. 

Since the account was set up, we moved and no longer have the land-line phone attached to my Experian account. 

I no longer have the password to my Experian account, but I can't recover it because Experian insists on sending a text code to the now disconnected land line. No alternatives for trying to recover the password online work. 

I've tried numerous times to get a way to recover the account, including calling them. The phone lines branch to directions to make the change on the website which, of course, only works if you can actually log in - which I can't.
Consumer complaint received 2021-02-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (MT)

This took place over a week and a half from around XXXX XXXX. The person first contacted me through XXXX XXXX  going by the name " XXXX XXXX '' and interviewed me for a Data Entry position to work remotely from home during covid-19. The instant messenger interview went well and she said that I had gotten the job. She then said she will be sending me a check to buy equipment I would need to be able to work from home. And that it has to be certain company approved equipment with the company logo and programs already installed. A few days later I was mailed the check for almost {$7000.00} and I could not deposit it to my bank because I just moved to XXXX, XXXX from XXXX, XXXX. I made a new bank account with XXXX XXXX XXXX and deposited the check. They told me they will be putting a hold on it for 10 days since it is a new account and so much money for the deposit. 

I told " XXXX '' this on the XXXX and she began to get impatient saying I was supposed to start training that week, She asked if I could use any personal funds to speed up the process to get some of the equipment mailed over to me. So she gave me the information of the " Vendor '' " XXXX XXXX '' to send money over quick pay through my normal bank Chase. She asked how much I can send and I said probably around {$800.00}. She said I would be reimbursed the following week, and I thought since the check was already in my account that I would be okay. 

The 10 days finally are up today XX/XX/XXXX, I checked my XXXX XXXX  account and see that a withdrawal was somehow made in my account that took all of the money in the bank account and {$48.00} just in fees so that account is now $ XXXX. 


I do not have money for rent now and I am out {$800.00} from this scammer. I just moved out of state to a new place needing a job desperately and I got taken advantage of and made a fool. Please help.
Consumer complaint received 2021-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I received a letter from anytime fitness on XX/XX/2020 saying they were removing a collection amount XXXX {$260.00} ) from my file. I've disputed with transunion twice but as of today its still on my report and negatively affecting my credit score. Also in XXXX of 2020 I had over {$26000.00} in credit card debt. I've since paid it down to {$13000.00} but transunion has only raised my credits core XXXX or so points? This is ridiculous. The only reason these credit reporting agencies leave negative stuff on your report is so you have to spend several hours getting it off, so you repeatedly have to keep coming back to their website and viewing all their advertisements again and again. Because this collection debt is still on my report I've not been able t ok get a loan or other credit cards during this uncertain time of covid. Why are these credit reporting allowed to have so much control over me and taking care of my family?