davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-24
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)

There are multiple instances of noncompliance with mandated reporting criteria, thus the information in my report isn't accurate and comprehensive! Having said that, I refute your claims and challenge you to show me that you have the authority to publish this inaccurate, misleading information to my credit report.

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports.

I'm using my right to object to these erroneous and non-compliant things as a result. You will only demonstrate your lack of concern for my rights as a customer if you ignore my requests. Reporting information that hasn't been verified as ethical and compliant with recognized reporting standards isn't fair. Once more, I contest these assertions and want documentation of the appropriate reporting guidelines.

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General. 

Summary of Accounts being Challenged in list form : XXXX XXXXXXXX XXXX Late Payment {$2200.00} XXXX XXXX Late Payment {$510.00} XXXX XXXX Late Payment {$1700.00} XXXX XXXX Late Payment {$630.00} XXXX XXXXXXXX Late Payment {$0.00} XXXX XXXX XXXXXXXX Late Payment {$6200.00} XXXX XXXX Late Payment {$810.00} XXXX XXXX XXXX Charge-off {$320.00} XXXX XXXX XXXX Charge-off {$1700.00} XXXX XXXXXXXX Charge-off {$0.00}
Consumer complaint received 2023-10-24
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Nelnet, Inc. (UT)

I attend XXXX XXXX XXXX XXXX email by Federal loan to loan discharge sign by chief operator XXXX XXXX. It has not been discharged XXXX XXXX XXXX was a fraudulent and school closed due to lawsuit
Consumer complaint received 2023-10-24
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

It is completely unjustified that I have consistently made timely payments for this account and have never been overdue. I kindly ask that you rectify my account to accurately reflect this.
Consumer complaint received 2023-09-29
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CREDIT ACCEPTANCE CORPORATION (MI)

Since XXXX of XXXX I have been charged with late fees on my car note each month and it have damage my credit report so bad. I have talked to people so many time and nobody never responded or call me back. I also was over charged on the car. They wanted XXXX for a XXXX XXXX  on a XXXX. I need some type of help with removing the extra charges.
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CBC Companies, Inc. (CA)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : 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 2023-07-07
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. (FL)

There are accounts on my consumer report that are a result of identity theft. I did not provide written permission with a wet signature for these accounts to be reported on my consumer report. I recently contacted you to address this issue, and I am requesting that this information be blocked and deleted as soon as possible. Your actions have caused me significant mental and financial XXXX by including items on my credit report that do not belong to me and for which I am not responsible. I am prepared to take legal action if this complaint is not handled appropriately. These fake, inaccurate, and fraudulent items appearing on my credit record have prevented me from purchasing my dream house and providing for my family 's needs. I have attached a copy of the letter I previously sent for your reference.
Consumer complaint received 2023-11-12
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY (OH)

I had an XXXX business and it fell through because I had a client XXXX at my property. so my lease was terminated. after that situation my financial situation went down the drain. and a month after that I got into a XXXX XXXX and their insurance company took 3 months to get my truck fixed. after those situation I became homeless. I had to move back home with my mother to get my life situated. mind you I'm a single father of XXXX boys.
Consumer complaint received 2023-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (LA)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 2023-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I got a new XXXX through XXXX XXXX XXXX  on XX/XX/2023. On XX/XX/XXXX I made my first payment through my personal account in XXXX XXXXnline banking since I am able to see all my personal accounts including my XXXX XXXX XXXXn account through Online banking. 
After that, I create the payments through XXXX XXXX in my Business account ( XXXX XXXX XXXX XXXX XXXX ) I always pay my cars through my business account not personal account. Since my previous XXXX car was through XXXX XXXX, this payment was already created. I modified that automatic payment and added the XXXX XXXX XXXX  account number but inadvertently did not make the change from XXXX to XXXX, therefore even though the payments were created and sent with the correct XXXX XXXX they were sent as a check to XXXX instead of XXXX XXXX a completely mess ). On XX/XX/XXXX and received an email that my car account was past due ( I did not receive an email prior to this or by mail ). I contacted XXXX right away and they said that my account was paperless and that they do not understand why I did not receive an email or phone call prior to that. I explained the entire situation to them but of course they said they understand it was a mistake and that they already reported me to Transunion and I need to fight this with them. They say they will add the notes of what happened on my profile that way when Transunion contacted them, they were able to explain but they can not call Transunion on my behalf. I have been fighting with XXXX since that trying to figure out where the payments are and to obtain the XXXX XXXX XXXX.
Consumer complaint received 2023-07-07
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: Experian Information Solutions Inc. (TX)

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. 

I told the Experian, XXXX, and XXXX to reinvestigate this account Account name : XXXX XXXX XXXX XXXX Account number : XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Consumer complaint received 2024-09-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: PLANET HOME LENDING, LLC (CA)

I made a mortgage {$50000.00} dollar principal payment to XXXXXXXX XXXX on Wednesday, XX/XX/year> towards the principal balance. I received an email ( see attached file ) from XXXX XXXX  on XX/XX/year> stating that they rejected the payment because the loan was transferred to Planet Home Lending. Immediately after finding out that my loan was sold to Planet Home Lending, I went to their website ( https : //planethomelending.com/ ) to create an account. As of XX/XX/year> XXXX and Planet Home Lending refused to receive the payment. On a phone conversation with Planet Home Lending, Planet Home Lending said they can not receive the payment until XX/XX/XXXX and that XXXX XXXX is still the servicer. According to XXXXXXXX XXXX XXXX XXXX see attached file ) on XX/XX/year>, they no longer own the loan and that Plane Home Lending should receive the payment. I am getting affected by incurring unnecessary interest at a mortgage rate or 6.625 %. 

Additionally, I would like to ask for some type of disciplinary action be imposed to Plane Home Lending for not allowing me to make payments until XX/XX/year> ( see attached file ). My monthly mortgage payment is due on XX/XX/year> and by not allowing me to make the monthly payment, Planet Home Lending is setting me failure. Even though, Planet Home Lending said that there is a grace period to make the payment, I should not be prevented to make a payment earlier. I do not want to wait till the last minute and be hoping that payments are not late. I have searched the interned for comments about Planet Home Lending and it appears that many other customers had posted bad reviews on the XXXX XXXX XXXX XXXXXXXX to name few. I do not want to be another casualty and this is the reason I want to act soon. Thank you for your time.
Consumer complaint received 2024-07-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (KY)

In XX/XX/year>, I ordered a purse online from XXXX. It was taking a long time to get to me and appeared to be held up by USPS. I contacted XXXX and asked if I could cancel the order. They said " no '' but that I could refuse the package when it arrived ro return to sender. I was not at home when it arrived so I did a return to sender. This can easily be verified by looking at the tracking. 
I started checking my account for refund progress. When the refund wasn't showing up, I started contacting customer service via their contact us/chat feature. I spoke with several reps over the next 2 months who all assured me that they could see where I returned the purse and that my card should be refunded in 3-5 days. It took 2 MONTHS! They finally refunded my card. but because it too so long, I got a late fee added to my card. How can I get a late fee added for a return???? I started contacting customer service again. It took a month to get the late fee removed. 

So they removed the late fee in XXXX but turned me into the credit agencies, causing my score to drop almost XXXX points, going from excellent to good. This is unacceptable. It was a RETURNED item. How can there be a late fee on an item I returned almost as soon as I received it???? There was nothing else charged to the card. That returned item should have been refunded back to my card in a timely manner. XXXX XXXX did not do that, causing a late fee. 

I disputed it, and XXXX denied any wrongdoing. The only conclusion I can come up with is they didn't bother to look into it, because it is obvious, I am not at fault here. Please fix this ASAP. I have had excellent credit for years and I don't want to have to hire a lawyer to get that back. It shouldn't come to that.
Consumer complaint received 2023-07-10
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. (MN)

According to the fair credit reporting act when i notice incorrect information on my credit i have the right to dispute. I have disputed multiple accounts on my credit report and they keep saying the accuracy is correct. I have no knowledge of these accounts and did not sign or have any loan or credit with these companies. 
( 1 ) XXXX XXXX-opened XX/XX/XXXX. This was not me i have no knowledge of this account. 
( 2 ) XXXX XXXX XXXX opened XX/XX/XXXX. This was not me i have no knowledge of this account. 
( 3 ) XXXX XXXX XXXX XXXX opened XX/XX/XXXX. I have no knowledge if this account this was not me. 
( 4 ) XXXX XXXX XXXX opened XX/XX/XXXX. I have no knowledge of this account this was not me. 
( 5 ) XXXX XXXX XXXX  opened XX/XX/XXXX i have no knowledge of this account. This was not me. 
( 6 ) XXXX XXXX XXXX opened XX/XX/XXXX i have no knowledge of this account. This was not me. 
( 7 ) XXXX XXXX  opened XX/XX/XXXX i have no knowledge of this account this was not me. 
( 8 ) hard inquirys from XXXX XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  There are many others that i have listed in the attatched images/files below. The only inquiry that i have knowledge about is home choice i have a refinaced loan through them im still paying payments on. The reat of the account and the inquiries i have listed and attatched to this complaint i have no knowledge of and i am claiming identity theft/fraud. I hope that you are able to get these items removed off of my account.
Consumer complaint received 2023-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL (IL)

This are the Inquires i found on my credit score after receiving my score, i did not consent this Inquires. 


XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX SYNCB Sales Financing XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-04
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Credit limit changed — 
Company: ENOVA INTERNATIONAL, INC. (FL)

I am filing a complaint against NetCredit regarding a disputed account balance and an alleged late payment on my account. I believe that NetCredit has violated the terms of our contract and federal laws, specifically the Fair Credit Billing Act ( 15 U.S.C. 1666 ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( a ) ), by improperly applying payments and inaccurately reporting a past-due balance to credit bureaus. 

These actions have caused undue harm, negatively impacting my creditworthiness.
Consumer complaint received 2018-05-14
Product: Checking or savings account — Checking account
Issue: Incorrect information on your report — Account information incorrect
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

My name is XXXX XXXX and my address is XXXXXXXX XXXX XXXXXXXX XXXX, XXXX, XXXX XXXX Early this year I have closed my account Checking Account XXXX and my Overdraft Line of Credit account XXXX with Citizens Bank. XXXX XXXX XXXX XXXX, XXXX XXXX It took a while to ascertain that all the balances were XXXX before the account was closed. I never received a written confirmation of the account closing. 

In early XXXX I noticed that Citizens bank reported a 30-day past due balance on my account which significantly dropped my credit score. I reached out twice to the Citizens ' customer service with the rep always assuring me there's no balance one my account  and that they are not sure of the origin of the adverse credit report information. 

When I finally got on the phone with a more senior rep named XXXX and can be contacted at XXXX, I was informed that I somehow have a {$7.00} balance on my account and since I have no account with them, I can not get a bill - neither in the form of a letter, or a phone call or an email. And the late fees are accumulating, and the fact that I am not paying is leading them to report to the credit agencies.
Consumer complaint received 2024-08-23
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (TX)

I have been calling every day since XX/XX/XXXX and ally has continuously lied to me and told me that they would fix my online access to my account so that I could pay off my car. But they have failed to and have continued to be a failure. Causing me to recieve a late payment on my credit, increased interest charges, late fees and they still do not know how to work the account. They are saying I have an active bank account and credit card with them which is incorrect and they continue to harrass me for a payment even know their online system does not work
Consumer complaint received 2023-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

I am writing to dispute an entry on my credit report pertaining to a credit card account that has been both paid off and closed for over a year. The account in question is with XXXX XXXX  and I request your immediate attention to rectify this matter. 

The credit card account was successfully paid off and officially closed XX/XX/2022. I have diligently met all my financial obligations, and the account in question should no longer be reflected on my credit report. I have enclosed proof of payment and the closure confirmation from XXXX XXXX for your reference. 

Despite the closure and payment, I recently discovered that the account is still appearing on my credit report, negatively impacting my credit score. This is not only inaccurate but also unjust, given that I fulfilled all obligations and closed the account as per the terms agreed upon. 

I kindly urge you to conduct a swift and thorough investigation into this matter, ensuring the accurate reflection of my credit history. The continued presence of this account is causing undue stress and affecting my financial standing adversely. 

I have attached all relevant documentation supporting my claim and kindly request your immediate attention to this matter. Your assistance in expeditiously removing this inaccurate entry from my credit report is greatly appreciated. 

Thank you for your prompt action in resolving this dispute.
Consumer complaint received 2023-04-19
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Zions Debt Holdings (AR)

I received a text from an unknown number about a debt. And offered a settlement amount. 

I asked for validation and the agent was rude and tried to intimidate me when I asked for verification. 

I was advised it appears that you are just XXXX stuff, let us know when your ready to pay.. 

I was advised this is what happens when you don't pay your bills. 

They were very rude and stated " Like before you will get verification AGAIN " in 72 hours. 
At this point I asked for a cease and desist until they provide the documentation to her email. 

The person responded " Pay your bills, and your request to cease and desist isn't valid. Send it in writing. 

I responded watch your tone in the manner of witch you speak, and I explained that my request to cease speaking until validation has been provided by text is just as valid as the settlement amount they offered. It's a written request. I let them know they were in violation of my FCRA. Contacting me after I asked her to cease and she said nice try .... 
And I let her know to speak in an intimidating manner that's the second. 

Also I asked that they provide a hard copy of the contract. Copy of the pay off disclosure. Interest rate disclosure. Balance history, payment, history and credit insurance. I also asked for the statue of limitation in my state which is 3 years. I asked for removal of this debt and I would like to report them for their practices, and practice of trying to intimidate me.