davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-30
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: BSI Financial Holdings, Inc. (VA)

Was in bankruptcy. Trustee XXXX XXXX XXXX. XXXX XXXX XXXX 's in XXXX XXXX Was confused why the loan was transferred to BSI financial svcs. They want the loan paid ASAP. I told them I will try to sell. They want to talk to me now, but I'm not comfortable and don't trust them. I think I may be scammed. I read some of the comments about BSI financial svcs. Especially about the ones during Covid 19. Need help.
Consumer complaint received 2023-06-15
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 unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XX/XX/2022 XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here. Please remove this account and send me an updated copy of my report after the investigation.
Consumer complaint received 2024-04-30
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: RentDebt Automated Collections, LLC (FL)

This is a apartment that was rented in my name in 2019. I have no knowledge of this, ive never lived in this apartment complex. During the said timeframe i lived in XXXX Florida at XXXX XXXX XXXX XXXX in XXXX Florida.
Consumer complaint received 2023-05-22
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. (GA)

I am writing you because there are some negative items in my credit profile, but I have not confirmed or accepted that these are accurate. I dispute these claims and demand that any negative information be removed from the reports immediately.The claims that this information in my report is negative, untrue, incorrect, incomplete, untimely, and not verifiable are unsubstantiated. I have yet to be provided physical verifiable proof that the claims of negativity within my report are true.After reviewing my report I noticed several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I refute your allegations and challenge you to provide proof that you have the right to report this incomplete negative information about me. Document that you have complied with the reporting requirements, and report without any deviations. If you have not complied with the requirements or there are any negative aspects below that have been challenged, you must remove them from my 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 relatesAlso per 12 CFR Part 1022 ( Regulation V ) requires furnishers to : A - Furnish information about accounts or other relationships with a consumer that has integrity. B - Furnish information about accounts or other relationships with a consumer that is accurate. C - Conduct reasonable investigations of consumer disputesAccording 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. This is important to remember because it affects the accuracy of any federally regulated reports.With that said! I found some mistakes and inaccuracies in your report and I would like to invoke my rights to dispute/challenge these inaccurate and non-compliant items. If you continue to report claims that are not perfect, it shows that you do not care about my rights as a consumer.I don't think it's fair for you to report on me in a way that isn't confirmed to be ethical and meets the standards of certified reporting.The following claims about me were not reported correctly and do not meet federal requirements. I am challenging these claims and asking for proof that the proper reporting standards
Consumer complaint received 2018-04-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: PNC Bank N.A. (OH)

Person you dealt with : PNC XXXX XXXX Branch Office Rep Description of complaint : Went to branch office to make deposit on XX/XX/2018. Was asked how I liked PNC 's reward points program. I explained that I wasn't aware of the program. The representative began to explain the program and how it worked. I asked how many points did I have. He explained that he could not see that information on his screen. He proceeded to give me the phone number to the PNC department who could give my accumulated points total. I called several days later and was told about the program. I thought that was the end of it, until I received a notice from PNC bank declining approval of a credit card. I NEVER APPLIED FOR A CREDIT CARD. I immediately called the phone number listed on the form to ask for additional information. I told the story to the representative. I have since received a call and email from a PNC representative investigating the matter. This is of utmost concern to me, as I feel that I have been violated. Also, the inquiry made by PNC is noted on my credit report. I am actively seeking employment and background checks ( which include credit checks ) is part of the process. This unauthorized inquiry will have negative consequences due to no fault of my own.
Consumer complaint received 2023-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

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. 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.
Consumer complaint received 2023-09-27
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA (CA)

In or about the year XXXX, my federal student loans were being serviced by XXXX XXXX. On or about XXXX, my student loans were transferred to other servicers. However, to date, XXXX XXXX has never sent me a XXXX or other documentation acknowledging that my student loan debt obligation was canceled with them. It has also been over 3 years since my student loan debt has ever been attempted to be collected. I received a Copy B of the XXXX from MOHELA which is now the current servicer. However, MOHELA, has yet to reflect this cancelation of debt on the student loan account. MOHELA has also failed to apply the XXXX loan forgiveness provisions allowed under federal law as I was an educator for over two ( XXXX ) decades in urban school districts across the United States. MOHELA also continues to violate my federally protected rights by reporting alleged student loan obligations to XXXX, XXXX, and XXXX. This violates my federally protected rights under the Privacy Act of XXXX, FERPA, UDAAP, FDCPA, and FCRA.
Consumer complaint received 2023-01-25
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. (NC)

I have Fraudulent Accounts on my credit reports for XXXX, Equifax, & XXXX I have disputed these accounts multiple times. 

Fraudulent Account : XXXX XXXX XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Open/closed Closed Status Chargeoff Past due amount {$0.00} Fraudulent Account : XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Open/closed Closed Status Chargeoff Past due amount {$0.00} Fraudulent Account : XXXX Account number XXXX Date opened XX/XX/XXXX Open/closed Closed Status Late XXXX Days Past due amount {$0.00} Fraudulent Account : XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Open/closed Open Status Late XXXX Days Past due amount {$0.00} Fraudulent Account : XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Open/closed Closed Status Chargeoff Past due amount {$120.00}
Consumer complaint received 2023-08-15
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. (GA)

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific items in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any items in my credit record that came about due to an alleged fraud or extortion. 
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 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 2023-09-27
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. (CA)

I want to file this complaint with EXPERIAN. I sent them a letter regarding the inaccuracies in my report such as date of last activity, date opened, date reported, status, etc. They took more than 30 days to complete the investigation and they claimed that they did a thorough investigation. However, when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting. My rights have been violated numerous times. 15 U.S.C 1681 section 602 A. States that 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 instruction
Consumer complaint received 2023-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (IL)

Please know the information on my credit report is not correct. I've listed information and unauthorized inquiries that do not belong to me. I need this fraudulent information removed immediately. Being a victim in the past I am trying my best to ensure my information is reporting accurately. Since I am not being heard with the institutions responsible for reporting accurate, complete and permissible information I am seeking help from a higher source. Please remove urgently.
Consumer complaint received 2023-09-27
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (CO)

I inquired into a promotion that was offered to me in my personal Chase account XXXX, regarding XXXX bonus points for XXXX XXXX accounts. I inquired into whether I would receive the bonus points if I converted my existing Chase account to the XXXX Preferred version, and they replied yes. Note that there is an annual fee associated with this new account type, whereas I did not have XXXX before. So I was misled into thinking I would get the travel/bonus points, but in reality ( the story I'm hearing now ) is that the promotion was only for new accounts and not existing. But this is exactly what they told me I would receive when I converted the account, this is literally the only reason I did the conversion. Why would I pay a new annual fee for no reason? I '' ve had the prior account with Chase for like XXXX years, why suddenly change if there is no incentive? So basically I was lied to.
Consumer complaint received 2023-12-08
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. (IL)

I was in the process of buying a house and i realized i had damages on my credit report. According to the ( 15 USC 1681 law ) there should not be any damages on my report, it is defamation to my character.
Consumer complaint received 2024-04-30
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERICAN EXPRESS COMPANY (MI)

In accordance with the fair credit Reporting act XXXX Account XXXX XXXX XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 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. Code 1681a - Definitions ; rules of construction - Exclusions.-Except as provided in paragraph the term " consumer report '' does not include-any report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2024-04-30
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO. (MD)

Had a total checking account with Chase that was closed in XXXX of 2023 due to a suspected " bad check ''. I attempted to deposit the check for a relative, upon depositing the check into the checking account the account was immediately frozen and the check was placed on hold. A few days after the initial deposit Chase informed me that the check was unable to be verified and the account would be closed. The funds were never released into my account and the money that was in my account prior to the deposit was mailed to me weeks later. Chase has not informed me of why the account was closed the check was never deemed fraudulent nor where the funds released to me. Chase will not allow me to open an account but have made this information apart of my banking history. Please have Chase provide communication on why they have placed this information on my banking history preventing me from opening an account for a check that was never verified as being fraudulent. Any information that is on my record needs to be removed and provided in writing that it was removed.
Consumer complaint received 2023-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I am writing to formally dispute and request the correction of inaccuracies pertaining to my student loan accounts that have been reported to credit bureaus. Despite multiple attempts to rectify these inaccuracies, they persist on my credit report, causing significant concern and adversely affecting my financial standing. 

Loan Account Inaccuracies : First Subsidized Loan ( Loan Date : XX/XX/XXXX ) : -Entered Forbearance : XX/XX/XXXX -Entered Repayment : XX/XX/XXXX -Experian : Late payments reported for XX/XX/XXXX ( 120 days ), XX/XX/XXXX ( 90 days ), and XX/XX/XXXX ( 90 days ) despite being in forbearance. 

Second Subsidized Loan ( Loan Date : XX/XX/XXXX ) : -Entered Forbearance : XX/XX/XXXX -Entered Repayment : XX/XX/XXXX -Experian : Late payments reported for XX/XX/XXXX ( 90 days ), XX/XX/XXXX ( 120 days ), and XX/XX/XXXX ( 90 days ) despite being in forbearance. 

Third Subsidized Loan ( Loan Date : XX/XX/XXXX ) : -Entered Forbearance : XX/XX/XXXX -Entered Repayment : XX/XX/XXXX -Experian : Late payments reported for XX/XX/XXXX ( 90 days ), XX/XX/XXXX ( 120 days ), and XX/XX/XXXX ( 90 days ) despite being in forbearance. 

Furthermore, in accordance with 20 U.S. Code 10786 - Default reduction program, the record of default should be removed from my credit history, as my loans were consolidated and transferred to DEPT OF EDXXXX 

Additionally, my XXXX account indicates that my loan status for the account originating on XX/XX/XXXX is " cancelled '' effective XX/XX/XXXX. 
Given these circumstances, it is clear that these accounts should not be reporting inaccurate late payments, and they should not even be present on my credit report due to the provisions of 20 U.S. Code 10786.
Consumer complaint received 2023-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I have filed the correct fraud paperwork and sent to the credit reporting agencies. They are not attaching it to my disputes and processing the correct dispute process according to the FCRA. I also have not gotten copies of the verification process per the FCRA. 

These are the accounts XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-21
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Bridgecrest Acceptance Corporation (CO)

On XX/XX/XXXX my son had found a car through XXXX XXXX. It was a XXXX XXXX XXXX. He wasnt able to qualify for a loan on his own so I got the loan in my name. We inquired about the vehicle and had a few email exchanges. The XXXX XXXX salesperson had emailed over the finance terms to us! The interest rates alone would cost almost double what the car was worth in the end. We informed XXXX the terms were not good and we were going to pass. He emailed back saying because of my credit score the interest rates would be higher but the good news is that with the lender Bridgecrest which is also XXXX XXXX, if we made on time payments for 6 months the company would give us better terms for the loan. Or I could refinance with a lender of my choosing! In the end we thought 6 months wasnt that long and agreed. The car they sold us was defective. Within 35 days of owning it, the car was disabled and required {$4300.00} out of pocket to get working again! XXXX XXXX refereed us to the warranty we purchased and they didnt cover the repairs! Since XX/XX/XXXX the total out of pocket cost for repairs to keep this car running has been {$11000.00}. None of the repairs were covered by the warranty and it was a total of 5 times I was without my car for over a month! This past time it was being serviced for 3 months! XXXX XXXX passes the buck and offer no real solution! The repairs on the car have been major repairs that affected the safety of the car. To think a warranty wouldnt cover it is insane and a representative from XXXXXXXX XXXX told me in her exact words we dont pull out and check every nut and bolt given the safety of the car with the Suspension and engine, they should check it. XXXX XXXX refused to take the car back because it was over the return time and Bridgecrest says I could voluntarily surrender it, but I would be responsible for the balance left over on the loan! So Im sold a defective car, and I should ruin my credit to get out of it and they take no accountability! Thats my options. The car is worth {$8300.00} XXXX XXXX XXXX XXXX and Ive paid that much already in payments! But having to pay {$11000.00} Ive fallen behind on the payments! Hoping given all the circumstances they would work with me on the Payments but they didnt and they put my car in for repossession. Bridgecrest is a predatory lender! For two reasons! When the 6 month mark hit with all on time payments! I reached out to Bridgecrest to negotiate the terms, and they told me they do not do that at all. I agreed to the loan because of deceptive practices by the dealership and two Ive paid {$8700.00} in payments {$370.00} in fees and I still owe {$17000.00} on the loan with interest still accumulating. They are trying to get 3x the value of the car from me. They wont help in any way with suspension of payments, no one will refinance the loan because the loan to value ratio is so high. They need to be held accountable for what they do.
Consumer complaint received 2023-11-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (AZ)

During XXXX, I applied for Borrower Defense on some of my loans, on the application I specifically opted out of forbearance, as I want to keep paying my loans ( as I have done all throughout the Covid related pause ). 
On XX/XX/23 I got noticed I was moved to forbearance and after a XXXX hold with Mohela XXXX I was told it was due to borrowers defense, they apologized, and said my account would be updated. 
That following week, I was moved back into repayment. However, on XX/XX/23 I went back into my account and noticed I was moved back into forbearance, which I again never asked for. I called on XX/XX/23 and after XXXX hold was told I would be transferred.. after another XXXX, I had to disconnect. And this time when I called back, I received an automated message indicating they were too busy to take calls. 
I finally got through to Mohela again on XX/XX/23 and was advised they would submit my request to remove my forbearance ; that the request would take XXXX days. It has been over XXXX business days with no change on my account and now I have to sit on hold all over again. When I called XX/XX/23, the automated line indicated I have a XXXX wait time and can receive a call back. When I selected this option, it put me on hold anyways ; I can not sit on hold for over an hour, especially for a problem that should have never happened in the first place. 
So now I have to manually make payments, because my account is in forbearance and by not being able to have automatic payments, I am missing out on the 0.25 % interest rate decrease that I am warranted, because Mohela has me in a status I have very specifically opted out of.