davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Second Round Limited Partnership, Austin, TX Branch (SC)

I provided information to XXXX and the creditor Second Round in XXXX andXX/XX/XXXX which proved that the Second Round ( {$3400.00} ) account was being reported incorrectly and was too old to be on my file. The date reported is incorrect and this creditor has already been deleted from XXXX and XXXX because of this reason. XXXX indicates in the status field of my report that " This account is scheduled to continue on record until XX/XX/XXXX'', however it remains on my credit report. I am unable to speak with anyone on the phone about this matter and because this item has been disputed on several occasions, I am not permitted to contact XXXX online about this matter.
Consumer complaint received 2024-08-27
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. (CT)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX consumer report on the date of that inaccurate negative account. This has not only damaged my right to extend credit but it has made me loose hope and trust within the banking system. I have been denied for credit cards and home loans because of this and my character has not only been defamed but my mental and physical health have suffered greatly. There is no law that says a consumer reporting agency MUST furnish information about a consumer which is why congress made it very clear that your company ASSUMED this VITAL role pursuant too 15 USC 1681 ( a ) ( 3 ). Also, your company failed to be fair and respect my right to privacy according too 15 USC 1681 ( a ) ( 4 ).

I am requesting valid proof and documentation that these negative items where investigated fairly and properly. Also please provide me with the system and details your company uses to determine if transactions took place or not. Your company is in violation of several federal laws including the responsibility you have to protect my privacy. 
Wanted to say keep sending good vibes bro ano 1 am giving Your company the opportunity to make this matter right by heightsestatescare.org way of the following : Respect by XXXX XXXX REMOVE ACCOUNTS LATE PAYMENTS Help me REMOVE INQUIRIES They also said it was accurate it wasnt cause I paid the balance and it still affected my credit.
Consumer complaint received 2022-10-26
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. (NY)

My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Upstart Holdings, Inc. (NY)

I am not denying my account or stating this account isn't mine. I am not asking for verification as defined pursuant to 15 U.S. Code 1681a ( l ) ( 2 ) ( A ) information in the consumers application for the credit or other information bearing on the credit worthiness of the consumer ; or pursuant to 15 U.S. Code 1681a ( l ) ( 2 ) ( B ) of the information in the consumers application for the credit to determine that the consumer meets the specific criteria bearing on credit worthiness or insurability. I am demanding you to remove my account information as you have no permissible purpose to furnish a consumer report in regards to i the consume
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (SC)

I provided information to Experian and the creditor XXXX XXXX in XXXX and XXXX of XXXX which proved that the XXXX XXXX ( {$3400.00} ) account was being reported incorrectly and was too old to be on my file. The date reported is incorrect and this creditor has already been deleted from XXXX and XXXX because of this reason. Experian indicates in the status field of my report that " This account is scheduled to continue on record until XXXX XXXX '', however it remains on my credit report. I am unable to speak with anyone on the phone about this matter and because this item has been disputed on several occasions, I am not permitted to contact Experian online about this matter.
Consumer complaint received 2023-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I, XXXX XXXX, of XXXX XXXX, IN Florida, City of XXXX, MAKE OATH AND SAY THAT : 1. I have never had an account with these companies XXXX Account number # XXXX, XXXXXXXX XXXX XXXX account number # XXXX REMOVE from all credit agencies from reporting. 
2. consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3. This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4. I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are XXXX XXXX XXXX the debt collector 15 U.S.

Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5. I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d 6. According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed.

7. As mentioned in the 15 U.S. Code 692f Unfair practices 8. 15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681. Moving forward I would like you to stop reporting to all credit companies that I owe any amount to your company. Remove all false debts from my reports ASAP. I will also like your company to mail me via postal mail that all the changes have been made or attempted to be made within 10 days
Consumer complaint received 2019-07-09
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: Experian Information Solutions Inc. (TX)

XXXX ; Experian and XXXX are reporting incorrectly a collection on the XXXX  account number XXXX, in the amount of {$240.00}. ( Please see page XXXX of the attached credit report. ) XXXX mistakenly opened a new account when I moved to a new apartment. They transferred my account and consequently added a new account. There were XXXX separate accounts. I called XXXX multiple times and consequently spoke to multiple representatives who were not posting my payments to the correct account. Some payments were posted to XXXX account and some payments were made to the new account. The accounting error belongs to XXXX. This incorrect reporting is harming my credit score and this trade line item needs to be removed from my credit report.
Consumer complaint received 2019-05-29
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. (TX)

sent ftc violation and all the documents that proof of the violation to have it deleted XX/XX/2019 Source XXXX  Date Submitted XX/XX/2019 Estimated Resolution Date XX/XX/2019 Report Number XXXX Account Number XXXX Company XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX mc XXXX XXXX XXXX  XXXX XXXX XXXX mc XXXX Open Date XX/XX/2019 XX/XX/2019 XX/XX/2019 Balance {$4400.00} {$4400.00} {$4400.00} Collection Debt {$4400.00} {$4400.00}
Consumer complaint received 2024-10-11
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — Foreclosure
Company: PNC Bank N.A. (NC)

PNC Bank Housing Complaint due to Bankruptcy and Foreclosure - Financial Elder Abuse Financial Elder Abuse as the PNC Bank XXXX XXXX XXXX XXXX amount of {$900000.00}. Both PNC HELOC loans were part of the {$900000.00} PNC Bank SCAM/FRAUD XXXX I submitted several Hardship Applications to the PNC Bank Loan Hardship Division : PNC Bank, XXXX XXXX XXXX XXXX XXXX XXXX. The division Single Point of Contact is XXXX phone no. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The division email address is : XXXX. The Loan Officer, XXXX XXXX can be reached at XXXX. 

PNC Bank has declined to assist me with the Hardship Applications to date for the HELOC Loan, XXXX. Please note the PNC Bank HELOC loan was part of the {$900000.00} PNC Bank SCAM/FRAUD XXXX 

I recently contacted PNC Bank, President/CEO XXXX XXXX XXXX concerning an online PNC Bank SCAM/FRAUD in the amount of {$900000.00}. PNC Bank response was : 1. ) I was responsible for the SCAM/FRAUD 2. ) PNC Bank refused to apologize for the SCAM/FRAUD 3 . ) PNC Bank refused to acknowledge that someone at the bank knew intimately about my checking and savings accounts and stole my money 4. ) PNC Bank refused to acknowledge that an Audit of irregular activity occurred 5. ) PNC did not conduct Know Your Customer ( KYC ) on my accounts 6. ) PNC approved the International Wires XXXX XXXX XXXX XXXX XXXX XXXX possible Terrorism ( This is a Federal Offense ). 7. ) PNC Bank closed both my checking and savings accounts due to Suspicious Activity. 

PNC Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Office of the Customer PNC Bank OfficeXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-05-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT FILE WITHOUT MY KNOWLEDGE AND IS CAUSING TREMENDOUS HARDSHIP. PLEASE REINVESTIGATE YOUR CREDIT REPORTING AND HAVE THOSE DEROGATORY ITEMS REMOVE.
Consumer complaint received 2019-05-29
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Guild Holdings Company (NV)

Guild Mortgage Company rejected both my Mother and my payments. The " Note '' Contract is very clear, My Mother XXXX XXXX and I XXXX XXXX have 15 Calendar days pass the first of the month to get the payment to Guild Mortgage Company which totals {$1100.00}. It does not says WE CAN NOT send two checks that totals {$1100.00}. My mother and I are separate entities and are NOT married to one another and have separate checking accounts and do our business separately. Guild Mortgage Company is confused when they read the Deed of Trust that states they can reject partial payments after the 15 calendar days, but our payments were received by Guild Mortgage Company on XX/XX/2019 and XX/XX/2019. Because of receiving these two checks that totaled {$1100.00}, they believe they are in the right to reject payments, but in turn are breaching the contract and technically at that point XXXX XXXX and I would owe nothing once a contract is breached. The Month of XXXX Guild Mortgage Company excepted two separate checks one for  {$500.00} and the other for {$630.00} on the XXXX of the Month and marked these two payments as a single payment into their system ( Which is also a banking violation ). I need this issue corrected ASAP on loan number XXXX. BORROWER 'S FAILURE TO PAY AS REQUIRED ( A ) Late Charge for Overdue Payments If the Note Holder has not received the full amount of any monthly payment by the end of 15 calendar days after the date it is due, I will pay a late charge to the Note Holder. The amount of the charge will be XXXX of my overdue payment of principal and interest. I will pay this late charge promptly but only once on each late payment. 

As stated in my original complaint on XX/XX/2019, XX/XX/2019 in the same payment amounts one check from XXXX XXXX XXXX for {$500.00} and the Second check from XXXX XXXX XXXX for {$630.00}, which Guild Mortgage accecepted with no problem and labeled the two payments as a one and whole payment. The complete payment agreement follows the Mortgage Note same as a {$100.00} bill is a Note and worth {$100.00}. As we have 15 calendar days to get the payment in full to Guild Mortgage and there are nothing listed in any contract that enforces my Mother and I to open one account to send ONE payment. As stated previously the Deed of Trust covers if a Mortgagee is late pass the 15 Calendar days can only send ONE payment in whole to Guild Mortgage. If Guild continues to Breach the contract this will lead towards a Federal Legal Matter, needs to STOP NOW, as my Mother and I are two separate entities with our own banking and checking accounts, we are NOT a married couple.

Guild Mortgage account XXXX Pay From XXXX XXXX XXXX Amount {$630.00} Withdraw On XX/XX/2019 Category Mortgage ELECTRONIC Confirmation XXXX
Consumer complaint received 2019-07-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL (OH)

Upon receipt of my credit report I began the dispute process with my creditors and the credit bureaus. About all the negative items listed on my file. Each time a dispute was made they came back to state it is valid and I am responsible for my debt within their company. I have submitted a police report, identity theft form, Identification, and documentation stating I was incarcerated at the time these accounts were being used fraudulently. I believe they are discriminating against me. I have spoke with their investigation department numerous of times and provided all the documentation needed to show that I am a victim of Identity theft and yet they still fail to remove the late charges and the negative reporting and the balance that's reflecting on my credit report. This is a violation of the FCRA sections 607 ( b ), 611 ( 1 ) ( A ), 611 ( 5 ) ( A ) ( i ), 809 ( b ). 

I am disputing Synchrony Bank Walmart - Date XX/XX/XXXX thru XX/XX/XXXX Amount {$3700.00} I am disputing Synchrony Bank Value City-Date XX/XX/XXXX thru XX/XX/XXXX Amount {$3100.00}
Consumer complaint received 2019-05-30
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. (CO)

XXXX and Transunion are reporting an incorrect coding of the XXXX partial account number XXXX. This account actually needs to be coded as an M1. ( Please see the page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect coding is harming my credit score and is a violation of the Fair Credit Reporting Act. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Consumer complaint received 2016-11-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (TX)

I have disputed and disputed with Equiafax the inq are wrong i dis not allow a car dealer ship and paydayloans run my credit the inquiries are all of them I also have identity alert and fraud alert on my credit information they have the wrong social and address them out of inquiries everything I have disputed up and goes happen nothing is coming up also certain accounts are not mad like the medical XXXX I 've had insurance for fpur years
Consumer complaint received 2016-01-31
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (CA)

Please note that XXXX did adjust the incorrect issue, however they continue to add phone numbers on my personal information that are not and never have been mine. The following telephone numbers I have asked to be removed and they have not done this. They are in Texas XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. In regards to XXXX they correctly placed me on a 7 year fraud alert, then the following month, placed me on a reduced 90 day fraud alert, why they did this I do not know, but this is incorrect, I should remain on the 7 year fraud alert. I have recieved confirmation from XXXX, and XXXX I never received any confirmation from Equifax on the status of the 7 year fraud alert.
Consumer complaint received 2019-05-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA (CA)

I attended XXXX XXXX College back when it was located in XXXX California before they moved to XXXX. I was young, just had a XXXX   and was looking to start a career. I joined their XXXX XXXX XXXX program approximately XX/XX/2006. Although the program was not yet accredited, I was promised that it would be by the time of my completion. I was so happy when I finally graduated and felt accomplished. Unfortunately for me and my class mates, the accreditation of the program that we were promised never came resulting in not being able to qualify for state licensing which made us undesirable to employers. No one wanted to hire me with out my state license and in order to attain one, I needed one year experience which I could not get. The two basically cancelled each other out. After this, XXXX XXXX College shut down the program I took ( XXXX XXXX XXXX   ) because they couldn't attain the accreditation and then moved the whole school to the now XXXX location. 

Since then I have not been able to be employed at all in the certificate that I earned through them and have not been able to afford any payment towards my school loans. I am a struggling single mother and times are hard. So I recently applied for a school closure discharge through Fed loan servicing. I felt i qualified because although XXXX XXXX College still operates and provides numerous programs, the specific program I took ( XXXX  ) was closed and no longer offered through them because of their own shortcomings with the accreditation. Fed loan told me I did not qualify for the school closure discharge because I completed the program.. 

I do not understand how being a school " drop out '' would better qualify me for the discharge. XXXX XXXX College was unscrupulous towards me and many other students, it was even proven in court.. and here I am struggling to attain employment and not being able to pay for a loan which resulted in nothing.. and not to mention the program I completed was closed and the location itself was closed. 

These student loans have haunted me for over a decade. The experience itself has haunted me. I was looking forward to possibly going back to school if i qualified for the discharge and was excited to possibly move my life in a positive direction. These student loans I have now have stopped me from going back to school because I cant afford any more debt. I am left with not very many options and I am filing this complaint with you to hopefully find some answers and solutions..
Consumer complaint received 2017-09-13
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: SANTANDER BANK, NATIONAL ASSOCIATION (NY)

On XX/XX/XXXX, I had open a safe deposit box at SANTANDER BANK, I put {$4000.00} in the box, but on XX/XX/XXXXwhen I went back to get money, it only has {$600.00} left inside the box, I had missing {$3400.00}, I talk to the branch manager right after, at first she would n't help me, she said I took out mon and I forgot about it, but I swear the XXXX I know how much money I have inside, so I insist to report to the main branch for investigation. 
OnXX/XX/XXXX, the branch manager called me and told me nothing is wrong with the video tape. This is not right and unforgivable, People ca n't get away for stolen money, especially happened in a national bank. Those money that I 'm ready to pay my upcoming medical bills.
Consumer complaint received 2019-07-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (IN)

Since XX/XX/XXXX-XX/XX/XXXX Fedloan Servicing has been taking an extra XXXX $ out of my account each month on top of the XXXX $ that Im supposed to pay when they switched my plan to a 10 year plan instead of the 20 plan I have applied for and have no record of it on their end. I had to take days and hours of going through my Banks EFT department to provide the transactions to Fedloan Servicing to prove to them by showing the ACH Transaction Detail their CompanyID and Trace Number that they were in fact taking money out of my account and not applying it to my loan. I spoke to 4 different individuals and no body could tell me their companyID number nor provide me any comfort or anybody to talk too. On top of the fact, they let interest rack up and made my total balance higher making it even more difficult to pay. This is absolutely the most insane event I have ever experienced in my entire life. How does a company take money from a broke, college graduate and can nobody explain to me where the money is going to from within their organization when it should have been going to my student loan balance?
Consumer complaint received 2019-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: HireRight Solutions, Inc. (MN)

I have been denied employment by a very credible trucking co. Because of an adverse report by HireRight . I am at retirement age,, this is destroying my life. I am communicating with HireRight,, And reached out to XXXX. 'XXXX  XXXX XXXX XXXX ',  XXXX XXXX XXXX , Utah . But XXXX XXXX is now XXXX. I have explained to HireRight ' that their report is incorrect. All of which can be proven by XXXX XXXX XXXX. Where I was instructed to break Federal rules and Laws. All of this was deleted in XX/XX/ when I worked for XXXX XXXX for 5mo. Whereby I resigned. But is now reposted by HireRight and my personal information for sale. I am in contact with my State Representative XXXX XXXX, XXXX. MN. I also contacted MN. Labor Dept. All of this has led to nothing being done. My entire life is being destroyed by a simple totally false accusation and report by HireRight.. Thank You for your time and attention to this,, Best, XXXX XXXX