davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-20
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: Experian Information Solutions Inc. (OH)

I submitted an identity theft report to these companies and they have refused to remove them. Someone has used my personal information multiple times to open telephone accounts and Incured medical debts in my name even credit cards. I am trying to clear any fraudulent activity so I can purchase a home and these are negatively affecting my consumer reports.I spoke to multiple people who all told me to file a FTC report which I have and submitted to them multiple times once in XXXX and another in XXXX they have refused to remove these items from my report. Experian, XXXX and XXXX are not being fair when it comes to people who really have experienced someone stealing their identity and I would like a response and for them to be removed asap. I am uploading my FTC to prove I am a victim and should not be treated like a criminal. They have opened {$530.00} at XXXX which I have never used XXXX in my life someone also attempted to get medical care worth {$1100.00} from XXXX XXXX XXXX which Ive never stepped foot inside all I have reported and nothing has been done and they are still on my consumer reports. I have proof they received my FTC report experian closed the XXXX account but this is not my debt this should be deleted completely from my credit report yet they have not removed this or XXXX  XXXX XXXX XXXX from my report. XXXX and XXXX have completely ignored both of these accounts as being fradulent and an inquiry they refuse to remove after I submitted this multiple times that this was not mine XXXX XXXX XXXX XXXX was not mine I have no idea who or what kind of inquiry that even is. I have froze my report with all three bureaus and XXXX and XXXX XXXX  to prevent this from happening. I would like all of this resolved so I can move on with my life.
Consumer complaint received 2020-07-28
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: PENTAGON FEDERAL CREDIT UNION (NY)

I have several accounts with Pentagon Federal Credit Union ( Pen Fed ). Due to the pandemic I became behind on one of credit cards with the Pen Fed. I contacted Pen Fed and was told that my HELOC was in jeopardy of closing if a payment wasn't made that day. I made the requested payment to keep my HELOC open and not negatively impact my credit score. 
Despite the agreement the HELOC was closed anyway. I called the bank and was told that a supervisor would look into the matter. I called several times and was told the same thing. Then today, XX/XX/XXXX I called and was told that the HELOC was closed due to my credit score dropping. The loan is a secured loan and after reading all of disclosures no where is it stated that the account can be closed due to credit score. It does state that the credit union has a right to freeze the account for non payment. But this was not the case. 
The credit union made a verbal agreement to keep the account open but not only did they renege on that agreement that closed the account for reasons that were not part of the disclosures documents when the HELOC was opened.
Consumer complaint received 2023-11-07
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. (TN)

I need to stress that I never gave permission for these accounts to be opened, and I believe they're the result of fraudulent activities. I urge you to meticulously examine these accounts and ensure they are promptly removed from my credit report. I've provided documents that back my assertions. I greatly value your swift action in resolving this issue.
Consumer complaint received 2024-07-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XXXX XXXXXXXX and XXXX XXXX XXXX XXXX were both reported late. Neither should have. I was advised from XXXX XXXXXXXX because I was on a credit protection since XX/XX/XXXX that didnt go through successfully for good faith I should ask to be remove by a XXXX XXXXXXXX representative. I lost my job in XX/XX/XXXX and just got divorced I have been in a XXXX XXXXXXXX as I was left to care of my XXXX kids alone. I ask now I am on track and trying to move my family away to XXXX  and start over please to remove the late payments. Both accounts are up to date. The balance of XXXX XXXXXXXX is XXXX not sure why its not updated. Please give me hope to move forward with my life as I have been the lowest and just now getting back to having reasons to live. I understand fully the importance of credit and will maintain a positive report moving forward this is a huge hurdle with doing so when I was registered to be protected.
Consumer complaint received 2023-11-07
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: BANK OZK (AR)

I already opened a case with Consumer Finance ( my case number is XXXX ) concerning a CD at OZK Bank . ( In short, they closed my CD after XXXX weeks, without any notification, and sent the principal approx XXXX $ back to my account at XXXX. No mention of the interest. So I contacted your organization. a few. days ago, I received a paper statement from OZK demonstrating that approximately XXXX $ had accumulated.. Today I called OZK and the manager agrred to transfer the XXXX $ to XXXX BUT I asked why theyhad decreased the XXXX % from 6 % that I expected to 5.3 % and she said because the account was cled early. ( Usually, if the client closes early then that is understandable to have a punishment but when the bank closes early the original terms are honored ( ie I should get the 5.6 % apy ) Thank you XXXX XXXX
Consumer complaint received 2023-11-07
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company explaining amount owed
Company: Consumer Financial Services (FL)

Well first think is this is not the firm I purchased it from. They did not give me a choose. Which made payments harder to make I have Ask for my balance via email and have not received anything period and I disputed it. On 2 different credit beuros. Due to the fact, the balance for the last 2 and a 1/2 years has not changed from {$14000.00}. Well, I'm making payments. Wouldn't you think this now would change?
Consumer complaint received 2023-09-20
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: Experian Information Solutions Inc. (LA)

My online credit reporting shows that EXPERIAN is illegally being furnished and reporting 3rd party non public information. Inquiries that I did not authorize. Please be advised that by law, NO Inquiries can be placed on any consumer report without written authorization. Please provide validation 1681b ( c ) Transactions not initiated by consumer and a serious breach of my privacy rights XXXX  XXXX XXXX XXXX  XXXX
Consumer complaint received 2023-10-27
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. (CA)

In accordance with the Fair Credit Reporting Act 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 1. US DEPT ED Active {$4800.00} N/A of Credit Limit 2 XXXX XXXX XXXX XXXX Active {$3700.00} N/A of Credit Limit 3 . XXXX Closed {$2700.00} N/A of Credit Limit 4. XXXX Closed {$7600.00} N/A of Credit Limit 5 XXXX XXXX Closed N/A N/A of Credit Limit 6. XXXX Closed N/A N/A of Credit Limit 7. XXXX Closed N/A N/A of Credit Limit 8. XXXX XXXX Closed N/A N/A of Credit Limit 9. XXXX  Closed N/A N/A of Credit Limit
Consumer complaint received 2023-11-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION ()

Despite that I wrote letters to ask for the bank 's help to me to access my checking account, the bank has not responded. Further more, the bank notified to cancel my email address ( ( the bank notified on XXXX XXXX, XXXX ). XX/XX/XXXX ) they also notified that they will cancel my account.. Immediately on XXXX, XXXX, XXXX, I sent my letter asking not to cancel my email address and asked help via international express mail on XX/XX/XXXX. No response received yet. 
Aslo, I notified my new mailing address on XX/XX/XXXX XXXX, but no action has been taken by the bank.
Consumer complaint received 2024-04-25
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. (VI)

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CA)

The info in my credit reports is wrong, making it hard for me to get new credit. When I apply for credit, the errors confuse lenders and paint the wrong picture of my creditworthiness. 

These mistakes seriously harm my financial reputation. So, I formally ask for them to be corrected and removed from my reports. It's crucial that my credit file shows my real financial status for fair assessments by lenders.
Consumer complaint received 2023-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: National Credit Systems,Inc. (GA)

I represent a protected person as court appointed guardian. The company was supplied with a guardianship order.

Under Indiana Code ( IC ) 29-3-8-5 ( b ) : Every contract, sale, or conveyance executed by a protected person is VOID. Therefore, all transactions, even if claimed to be made by a proted person are VOID. Thus, all conveyance and transactions must be retracted, redacted and sealed. That person is a protected person under IC 29-3-1-13.

Protected person 's any and all information, not limited to documents, histories entries are also protected and must be removed from any and all files, including electronic collection files. The company must not provide and release any information about this protected person to anyone except guardians, her attorneys without a Court Order. Such acts violated Indiana Guardianship-IC Title 29. Probate 29-3-5-1.
Natonal Credit Systems , Inc was repeatedly contacted ;, and they failed to provide any information and authorities that would superseds Indiana Guardianship Act.
Consumer complaint received 2023-09-20
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc. (FL)

I have screenshots On XX/XX/2023, Mr Cooper sent a a Letter of escrow shortage. With a dramatic increase in our monthly payment. My payment was XXXX, they wanted me to pay over XXXX. So, I opted for paying the escrow shortage and continuing on with my life. I log on today and they say I am late for XXXX and are charging me XXXX dollars. Yet, my XX/XX/XXXX ( XXXX payment made in XXXX ). payment was for XXXX which I sent as I always send. My usual payment is XXXX. I have been paying XXXX all year with the excess going to principal not escrow. The agent today said that the payment was not in full so they applied it to principal making it look like I did not pay my mortgage. The agent went onto to say my reg payment is XXXX or something around that. It makes no sense. I paid the full escrow amount, why would I double pay that through my mortgage? Also, they never run my escrow in the summer. They seem to be doing things completely out of order. They always ran it the beginning of XXXX. But neither here nor there! I have my XXXX mortgage payment ( paid in XXXX ) sent the usual way, Sitting at the bank and misapplied to principal. I actually made my XXXX payment for XXXX today. I am never late and never short. I need help because this is affecting my credit score which is in the XXXX. With me paying the full escrow shortage my mortgage payment should never have changed. The next thing they pay is in XXXX and is XXXX. XXXX a month goes towards my escrow. They will have ( and if they do not, I will add it ) the money to pay my bills ). It is this escrow nonsense that makes me crazy. I sit in a home worth a XXXX with a XXXX mortgage and I have to have them pay my bills. It is a scam. The entire banks holding your money to pay your bills is a giant scam. Nonetheless, please help.
Consumer complaint received 2023-12-19
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: AMERICAN HONDA FINANCE CORP (OH)

I, XXXX XXXX, entered into a lease with Honda of XXXX XXXX on XX/XX/XXXX for a XXXX Honda Accord Sedan. My down payment was a trade in, a XXXX XXXX XXXX, excellent condition with low mileage, valued at {$11000.00}. I also paid {$220.00} in cash so that I could keep my monthly payments right around {$200.00}. Total payments plus down payment would equal {$19000.00}. 

The agreed upon value of the new car was {$34000.00}. The residual value of the vehicle at the end of the lease was {$17000.00} The total of base scheduled payments was {$7900.00}. 

I had no problems with the vehicle. But, I am facing earlier than anticipated retirement due to health issues. I am XXXX y/o. I admit I am ignorant when it comes to leasing vehicles. I'd never done it before. I turned the car in sometime in XX/XX/XXXX. I had made XXXX payments since XX/XX/XXXX. I was so unsure of what to expect at my meeting. I thought maybe they'd want me to pay a fee for early turn in. 
But, they said they would call everything even and release me from the lease. 
I was thrilled to say the least. I left my car there, that very evening, in somewhat of shock, not realizing I should NOT have done so. 

Several days later, when I realized why a XXXX deal I had agreed to, under duress and ignorance, I wrote a letter to the dealership and asked for a follow up meeting to discuss if we could renegotiate the end of the lease. I feel somewhat foolish at my naivety, but I didn't think my local dealership would take me for over {$16000.00} just for leasing their vehicle for 21 months. I would like some help getting a meeting with them, so that I can possible get some of my equity back. I will need it for retirement.
Consumer complaint received 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

I reviewed my comsumer reports and noticed that I had XXXX late payments on an account that was never late for consumer reporting agencies have assumed a vital role and I have a responsability to report consumer information to the best of their abdity with maximum accuracy I have never been late on payments for the account ( XXXX XXXX XXXX ) ( XXXX ). Please investigate and provide proof with statements showing that these payments were late, If proof can '' t be provided I demand these payments be update to on time as they should be as never late. Thanks.
Consumer complaint received 2024-04-25
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. (NY)

I am writing to dispute the presence of some unauthorized hard inquiries on my credit report, as listed in the report I received from your agency. I have identified inquiries that were made without my consent or knowledge. I am seeking your assistance in investigating and removing these hard inquiries from my credit report as these are impacting my creditworthiness.
Consumer complaint received 2023-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (OH)

In XXXX of 2023 I noticed that my auto pay that I set up again for the XXXX time still did not set up. I was sure it was set up because I had spoken to an agent this time that explained since me and my girl friend at the time both had accounts the system wouldn't allow us both to use the same card for auto pay. 

So i thought we squared it away and it was on auto pay. I wrote a letter to the company this time when to my surprise the auto pay was still not on!! and my payment had to be manually made due to their system. 

So Again I followed up and this time the representative said that he can find any communication on my account ever!! He said that there agents sometimes make notations under the phone number instead of the account so my account has no notations so they wouldnt be able to pull that call, and fix the thing Ive been dealing with all year! 

You can see that that until this happened for XXXX years there were no problems I dont believe this account was ever late as it was reported.
Consumer complaint received 2024-04-25
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)

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.

has violated my rights. Or a list of inquiries : 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.
Consumer complaint received 2024-04-25
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. (FL)

I recently reviewed a copy of my credit report and I noticed unauthorized, fraudulent, and inaccurate, information, accounts, on my report, I also was alerted by MY FICO and XXXX XXXX my information was exposed and compromised and I was a victim of the XXXX Data Breachand on the dark web for fraudulent this information is hindering my ability to obtain credit. In accordance with FCRA 15 USC 1681 I am requesting to have this information removed from all three of my credit reports with XXXX, XXXX XXXX, and Experian within a reasonable amount of time.
Consumer complaint received 2024-04-25
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: PNC Bank N.A. (OK)

PNC sends me emails in the following form even though I dont access my account online. The instructions for if I didnt sign-on are useless. PNC says that the user ID is invalid. But they continue to send me these email messages warning me to change my password. 
XXXX  User ID ending in XXXX was used to access your PNC Online Banking from a new computer, mobile device or tablet Do you recognize these sign in details? 

Device Description : XXXX XXXX Browser : Chrome Date and Time : XX/XX/2024 XXXX XXXX XXXX Location : XXXX, NY XXXX Here 's what you can do : If you did sign on using this device, you don't need to do anything. 

If you didn't sign on using this device : Sign on to PNC Online Banking or the PNC Mobile App and change your user ID and password. It's important to choose a user ID and password you haven't used before, and that you only use with PNC. If you need help, call us at XXXX. 
Review your transaction history and if you see any transactions you don't recognize, call us at XXXX to report the unauthorized activity. 
About this email : Please do not reply to this email. This mailbox is not monitored. 

This message was sent as a service email to inform you of a transaction or matter affecting your account.
Consumer complaint received 2020-11-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (VI)

I had applied for an Amazon store card around 2014 for the purpose of rebuilding credit. I never used the card and was very surprised that when I went to XXXX XXXX XXXX XXXX XXXX for a XXXX dollar loan, they told me that I had a bad account on my credit report that I must pay before they can give me the loan. So, here it is, I had never used the card but it was delinquent and now I must pay for something that I dont know about. So, I paid the loan, thinking that it was going to go away and it never did. So, I have been asking Amazon to send me the documents to prove that I have received goods or services tied to that card and they have never sent me any. I also contacted synchrony bank for validation and they told me that they would investigate the matter then contact me and they never did and I have continued to seek answers from the creditors and they never answer me nor provide proof that it was me who made the charges to the card or whom ever made the charges and to whom or where the packages were shipped. My whole financial world has been destroyed by these people who seems to just dont care about some one else welfare or well being. So, zircon I never used the card and the creditor cant tell me what happened, then why cant I get this thing off my credit report? Please tell me.
Consumer complaint received 2019-07-04
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. (NY)

THE DISPUTED ACCOUNT AND INQUIRIES LISTED DOES NOT BELONG TO ME, PLEASE HAVE THOSE NEGATIVE ITEMS OFF MY CREDIT FOR THEY HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT FILE.