davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.
Consumer complaint received 2018-11-12
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (OH)

Dates are to numerous to list. Have been in a state of forbearance or deferrment since intital graduation in XXXX. Returned to school for XXXX  in XXXX, graduated XXXX, continued on in dual XXXX 's graduated with single XXXX 's XXXX. Told will need additional course 's not in originial enrollment to complete second XXXX. Only needed internship at time. Started XXXX, had to postpone due to husbands XXXX XXXX, payments on loans higher than income permits, income potential has never come close to earning potentials put out by schools. Additionally assert that institutions do no consider hiring their alumni as instructors without terminal degrees as a means of generating greater enrollement. This leads to additional student loan debt and even more hardship on the student. Worse is the latest request for deferrment due to personal health issue. Deferrement granted along with an auto stop on repayment plan, which included a payment adjustment 2x the amount which is now over {$2300.00} a month. They also added over {$30000.00} to my loan balances and increased my interest rate to 10.76 %. News flash.. this is three car payments or a house payment and a car payment. Also, if there was no co-borrower to begin with, than how is it they think they can include income from said source that did not exist when factoring repayment? I have been told multiple times I would qualify for teacher forgiveness, or other types of loan forgiveness by navient staff. Turns out none of them know what they are talking about..
Consumer complaint received 2023-12-24
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Investment Retrievers, Inc. (TX)

Fair Debt Collection Practices Act This law was established to ensure that consumers are treated fairly by debt collectors. All kinds of personal and household debts are covered in the law, including automobile loans, medical expenses, credit card debts, and more. However, the law does not apply to businesses collecting their own debts. The Act provides the following protections : It prohibits debt collectors from using abusive, deceptive, and unfair practices such as : Using abusive language or making threats. 
Using the telephone to annoy you. 
Contacting you at inconvenient times or places. 
Misrepresenting themselves to you. 
Threatening a lawsuit or other action that the creditor does not intend to take. 
Collecting more from you than you owe. 
It establishes the procedure for debt collection : First, within five days after the debt collectors initial contact with you, the debt collector must send you a statement of the amount you owe the creditor, and what action you can take if you dispute owing the money. 
Second, if you send a letter within 30 days disputing that you owe the money, then the debt collector can not make further collection efforts until it sends you proof of the debt. 
Third, the debt collector can not collect for any debt that can not be verified. 
It limits debt collector contact with third parties ( except to locate you ). 
It requires that if you owe several debts, the money you provide must be applied as you wish. 
Investment retrievers placed an acct on my credit report without my consent. Also has called multiple times during times that I'm at work I asked to be removed from their system as I do not have an acct with them. They have called and threatened me saying they are in the middle of filing a lawsuit. They are a third party agency collecting for XXXX funding and they both have an account on my credit with two different amounts and Repos. They are affecting my credit and life.
Consumer complaint received 2023-12-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ARVEST BANK GROUP, INC. (TN)

in accordance with the Fair Credit Reporting Act the creditors have violated my rights under 15 USC 1681 section 6 o 2 states that I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b ). A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-12-24
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: ENCORE CAPITAL GROUP INC. (FL)

MIDLAND CREDIT MANAGEMENT XXXX XXXX XXXX XXXX Account : XXXX 15 USC 1681 section 602 A States I have the right to privacy. USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I HAVE NEVER given authorization nor permission to report to credit nor do i have an account with this agency! My rights has been violated and they are in violation according to the statutes mentioned above
Consumer complaint received 2023-12-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I contacted Transunion onXXXX in regards to not being able access my consumer report. I spoke with XXXX. he was unable to access my consumer report an referred me to online dept. Where I spoke with XXXX who was very robotic in repeating her script and not listening to nothing I was saying. 
She stated I couldn't get access to my online report for another 30 days when the Free Annual Credit report says can have access to every 7 days. However I never got access on the XXXX which is why I was referred o see if they can access it yet the transunion XXXX XXXX stated she could not access and gave me a case number XXXX XXXX XXXX I told I have not got a report in 3 years due their inaccurate reporting being and issues passing the verification. She kept robotically repeating the same script over and over so I asked for a Supervisor she connected me to XXXX who handled my request like a child. I told him I never gave access for them to report my info and I need to see a document with my signature and XXXX stated that he had it I said how I never even signed anything Then Supervisor XXXX said They don't need to follow that process when I stated that 15 USC 1681b that they must have my consent. 
I just opted out of XXXX with the same information and they respected my request and opted me out. 
Why is transunion being neglectful and down right disrespectful with my consumer report when they just got sued this year? 
I have screenshots. 
I am seeking damages and I want my part of Transunion recent and current civil case lawsuit {$23.00} million. They have caused me homelessness and mental anguish. I have not have a place in my name in over 10 years. 

I need transunion to stop reporting false information. I just applied to XXXX XXXX XXXX today and they I had to put down a down payment of {$100000.00} due to transunion yet my score with XXXX is XXXX They need to be shut down because clearly
Consumer complaint received 2022-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

XXXX XXXX is still being reported as an incorrect balance of {$700.00} on all my credit reports. The balance is {$5.00} I have documents attached showing proof of the correct balance. All 3 credit bureus has still not updated the balance in there system.
Consumer complaint received 2023-12-24
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: BSI Financial Holdings, Inc. (CA)

BSI mortgage has not updated with credit reporting agencies for 3 months that the mortgage account is closed. They sold the mortgage to another company. It is showing open, but in good standing. This is severely impacting my credit score and I have been denied for home improvement loans. I can not do repairs that are necessary because of this.
Consumer complaint received 2023-11-14
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. (FL)

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 a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2023-12-24
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: AMERICAN EXPRESS COMPANY (WA)

Billing Error! My American Express Card was set on auto payments each month. My bank account due to multiple transactions of the same transaction flagged the transaction and did not process payment completely. It will show as pending and then dropped when completed. I did not know what was going on. I was under the assumption payments were being taking care of. I only knew of late payment when got in touch with American Express. We tried making payments which will go thru but will eventually drop again this will take several months to track down on cause. Bank had a cancel payment on American Express. I disputed error on late payments with credit bureau and credit card company to fix my late payments. Ive since been paid off and closed but late payments have been stuck on my credit report. I would appreciate a response in fixing my credit report payment history.
Consumer complaint received 2023-11-07
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. (NJ)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be investigated/updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not fix these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible 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 XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-23
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: OneMain Finance Corporation (CA)

I keep getting calls daily about debts from various companies one main financial and from XXXX XXXX and from XXXXXXXX XXXX and its daily and i just want the calls to stop and so i put a freeze on my credit already and i also went to a credit XXXX to help me
Consumer complaint received 2024-03-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I sent dispute notices to all credit bureaus as well as XXXX to launch an investigation. I am not the only consumer having issues with XXXX. They are not trying to resolve any issues. I was recently discharged from XXXX XXXX bankruptcy and my overall student debt was at {$45000.00}. Since I am a public servant, I applied for student loan forgiveness and my loans were consolidated. XXXX was the servicer. Not one time did I receive notice in XX/XX/XXXX that I had a balance with XXXX and that {$7000.00} was a private educational loan. They didn't attempt to call or anything. Before initially filing for bankruptcy when I was making payments with XXXX, not one time was there a break down on statements indicating a public and private loan. Nevertheless they were provided with updated mailing addresses and telephone numbers as I went through a divorce. The only reason why I learned of the private loan was because I applied for a credit card to rebuild my credit and was denied because XXXX reported to all credit bureaus delinquency dating back to XX/XX/XXXX. I immediately contacted XXXX and got the run around. Finally XX/XX/XXXX I spoke with a XXXX representative, filed a dispute with them to investigate the matter and at that time I spoke with a supervisor who told me it was my responsibility to update demographic information and I stated my information was updated back in XXXX before filing bankruptcy. I was then afforded an opportunity to enter a payment plan to where they can debit my account to take out monthly payments. They also told me that if I make 3 consecutive monthly payments, they will remove the late payments they reported to the credit bureaus and I have done just that. My first payment came out XX/XX/XXXX and I have been current since the agreement. XXXX has not followed through with the agreement. They took the late payment off from XXXX, XXXX, XXXX, XXXX, XXXX, but put the late payments at the back end of the year for XXXX ( 30 days late ) and XXXX ( 60 days late ), but XX/XX/XXXX currently paid. So they didn't remove it just moved it back to the year end of XXXX. How can that be possible if my first agreed upon payment wasn't scheduled until XX/XX/XXXX. This has really ruined my credit. I am in the process of trying to get pre-approved for a mortgage and I can not move forward until they remove the late payments as agreed. I have written them letters and have called and they are unfairly treating consumers. Can someone please help me get this issue resolved with the late payments being removed as agreed because at this point XXXX is practicing bullying techniques.
Consumer complaint received 2018-11-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capital Accounts, LLC (GA)

This information appears on my credit report, attempted to reach out to the company to request information, regarding this account. But instead my personal information was shared with another customer. I'm disputing those charges, because I was denied treatment,. This company has made calls and emails to friends, and family members unauthorized. Made numerous calls without identifying themselves as a debt- collector company. I have attempted to reach out to supervisor at the company, to file complaints concerning their actions, but my concern and complaints was dismissed. Therefore, I m going outside the box to draw attention to Capital Accounts, negligence on sharing my information, as well as violating my rights, refusing to provide me with Information regarding this account. 

Please look into this matters, as a consumer XXXX XXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2019-11-06
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)

I recently looked over my credit report and I noticed some inaccurate accounts reporting on my credit file. These derogatory accounts do not belong to me and I have no knowledge of these accounts. I have no understanding of how or who would have access to my credit. Now because of this, I have no chance of obtaining new credit. Please conduct re-investigation into this matter and have those derogatory accounts removed from my credit file.
Consumer complaint received 2023-12-22
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: CITIZENS FINANCIAL GROUP, INC. (OH)

Individual opened an account online in my name.At Citizen bank on XXXX XXXX XXXX. Initial depost of XXXX, I was not notified of this account until XX/XX/ due to the fact that it had become overdrawn
Consumer complaint received 2023-12-24
Product: Vehicle loan or lease — Lease
Issue: Repossession — Company explaining amount owed
Company: AMERICAN HONDA FINANCE CORP (NY)

In 2021 my son and I got a vehicle from Acura XXXX XXXX, XXXX XXXX XXXX. 
when the contract was presented to me by my son XXXX, He expressed that they XXXX & Acura XXXX XXXX committed fraud & identity theft by transferring the my name from the co-signee to the principal, I am not a Principal nor a minor I am a Beneficiary of the investor XXXXXXXX XXXX XXXXXXXX, I gave no authority to do anything without my permission, they then electronically signed the contract and submitted it. turning it into a security and have failed to give me any acknowledgemen to their proceedings. They have also been reporting on my credit file which I gave them NO such authority to do such actions and such acts violate sec regulations /the Uniform Commercial Codes /the CFR /CRA/ and many consumer laws. they have also gave my private information to a third party non afilliate who came on private property and terified not just me but my XXXX XXXX XXXX mother and XXXX XXXX XXXX XXXX  daughter. XXXX never provided any arbitration 's nor provided any judicial warrant by a judge to collect the property. 
there has been payments made to XXXX and has been ignored/ost or refused. My son has been in contact with CFPB and XXXX has been harassing me by calling me after i have expressed to them not to call my phone to call my son XXXX. we have reached out to the SEC and also the state attorney general behind these matters.
Consumer complaint received 2023-12-24
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION (MS)

I have a loan through credit acceptance and the value of my car is extremely lower then the loan amount. The sticker amount was XXXX dollars and the total loan is more then XXXX dollars for a XXXXXXXX XXXX XXXX. I have seen in the past that credit acceptance had done the same thing to people around the same time I got my loan in XXXX.
Consumer complaint received 2023-12-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On Wednesday, XX/XX/XXXX I made an ATM check deposit of {$35000.00} into my Capital One checking account. This check was written via my attorney from an Attorney-Client Trust Account as part of an automobile accident insurance settlement. 

Shortly after completing the ATM deposit, I received official communication from Capital One via email stating that my check had been successfully deposited into my checking account along with a detailed schedule of availability of funds. On the XXXX, {$220.00} was to be made available ; on the XXXX, {$5300.00} was to be made available ; and, on the XXXX, the remaining {$29000.00} was to be made fully available. 

As of today, Friday, XX/XX/XXXX, XXXX funds have been made available and Capital One will NOT make any funds available until the XXXX, per their customer service representative. The customer service representatives stated that the delay was due to a fraudulent nature. 

I also received an email from Capital One stating a different reason for the delay, this time stating that there is an increased risk of the check being returned based on confidential information that indicates the check may not be paid. 

Meanwhile, my online banking portal also reflects incorrect, misleading, and contradictory information. As of today, XX/XX/XXXX, my online banking portal denotes my deposit was made via mobile deposit, which is incorrect as it was made via ATM deposit. My account balance reflects a total of {$5500.00} but my available balance is {$1.00}. The deposit description also notes {$29000.00} to be made available on XXXX, XX/XX/XXXX with {$5500.00} available now. 

Capital One Bank has done nothing short of offering misleading, incorrect, deceptive, contradictory, and false information regarding my account. They have also refused to make my funds available despite their initial communication detailing a schedule of funds availability and have failed to provide accurate account details via their online banking portal.
Consumer complaint received 2023-05-06
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. (GA)

This is my other attempt to inform CREDIT BUREAUS that I am a victim of identity theft and to file a complaint about specific records in my document as a result of their misbehavior. The documents I'm questioning have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, block the mention of any information in my credit report that resulted from alleged fraud. According to Section 605b of the FCRA, CREDIT BUREAUS is required by law to remove any ITEMS or information discovered to have been opened as a result of identity theft. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-25
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. (FL)

Experian is reporting errors on my credit report. I have requested multiple times for them to be removed. They have not done so. I can not purchase a home due to their negligence.