davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-24
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. (NY)

As I investigated my credit report, I found out that the informations are erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : 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 2024-05-02
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Merchants and Medical Credit Corporation, Inc. (TX)

Delete this account because you can not furnish any documentation that would verify ownership. Please provide documentation that the following account belongs on my credit report and that my rights have not been violated. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2022-11-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have no knowledge of the following inquiries on my reaccredit report 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 2017-05-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I placed a {$500.00} deposit to lease  XXXX  cars from  XXXX   XXXX    XXXX   on  XXXX   XXXX   XXXX ,  XXXX , NY. on Saturday  XXXX   XXXX ,  2017 . On Saturday I was told by the salesman that I was approved and asked when would I like to pick up the cars. I even test drove  XXXX  of the cars on Sunday and was reassured that we were all good.     On Monday I received a frantic call from the  Business manager, saying I w as not approved for tier  XXXX  credit but he did get me approved at a slightly higher payment and a bit more out or pocket. That night when I went home I learned from my credit report service that my credit was ran 9 times between  XXXX  and  XXXX  through many different lenders. I then called and asked why they ran my credit so many times and the business  manager  said he has been " doing this 40 years and if he had to call me to get my approval before he contacted each bank he would be out of business ''. I immediately cancelled my deal as I would never want to do business with anyone like this.     Bottom line, I never authorized them to run my credit and certainly not 9 times through multiple banks and I was never asked or informed along the way. Furthermore, they were very arrogant and said this is the " way they get deals done ''. I am strongly considering a refinancing of a home equity loan and these  XXXX  inquiries will hurt me in obtaining credit at a reasonable rate.     In my view this is no different than what happened at  XXXX   XXXX  with the opening of unauthorized accounts. My credit report was ran 9 times without my authority and this is a violation of all fair business principles.
Consumer complaint received 2024-05-02
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Self Financial Inc. (GA)

XX/XX/XXXX XXXX XXXX XXXX {$18000.00} XX/XX/XXXXXXXX XXXX XXXXXXXX {$150.00} XX/XX/XXXX XXXX XXXX {$2000.00} XX/XX/XXXX XXXX {$1400.00} All disputes with each bureau
Consumer complaint received 2022-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

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. 

XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2017-05-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (OK)

I completed the deferment forms and submitted within the deadline and a few months ago, I received an email stating my loans are past due. Called customer service ( on lunch break did n't write down the name or date : / ) but the call was recorded. The rep told me to disregard saying my loans were n't due until    XXXX   XXXX   XXXX   I keep receiving the same past due emails, which is now affecting my credit report and score and I was trying to buy a house but due to this incorrect information, I had to stop perusing a home loan. I emailed the rep this time and they said that indeed, it 's past due and I said that 's not correct and to please review the notes. I have n't received anything in the mail or nothing other than these emails. The rep later said they have n't talked to me since   XXXX  !! How can that be when I have to submit paperwork and ask for a hardship deferment every 6 months!! They are sticking to their " notes '' and that 's not working for me.
Consumer complaint received 2022-11-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC. (OH)

Citizens overpaid my property taxes by {$1200.00} in XX/XX/2022 causing a shortage in my escrow account. Because of THEIR mistake, they are now raising our monthly mortgage. This large error would not have happened had I been managing and paying my bills myself. You would think an escrow department that specializes in these types of things would not be so careless. What is the point of having them handle these things if they only cause stress and damage? 

I have contacted Citizens multiple times about this and they said to just pay the increased amount and wait until the next analysis done in a year, which is absolutely unacceptable. Why should I pay the much higher mortgage for an entire year because of their error? CITIZENS should cover this portion of the shortage since they are at fault. 

Citizens received XXXX tax bills for our property, XXXX was the correct amount, the other was an incorrect amount, yet they made the error of paying both and are trying to make me pay for it. Their employees clearly did not care enough to look at my account and see that the property tax had already been paid before paying it yet again. How can they be so careless with other people 's money? Why are they allowed to make mistakes like this and not be held accountable and just pass the consequences onto the innocent party?
Consumer complaint received 2023-08-19
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. (OH)

In accordance with the fair credit Reporting act XXXX  Accounts # XXXX  / # 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 : Also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-05-02
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Colony Brands, Inc. (CA)

Swiss colony I told them I was paying the {$50.00} but my hours only 2 hours a day from work I could only pay {$10.00} dollars a month it went up to {$120.00} am having bad harship
Consumer complaint received 2023-05-24
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: EQUIFAX, INC. (NM)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX  ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XX/XX/2021 XXXX/XXXX  XXXX XX/XX/2021 XXXX XX/XX/2021
Consumer complaint received 2022-10-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I discovered that some of the items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and TransUnion credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous items that need to be investigated and corrected :
Consumer complaint received 2022-11-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (MA)

PNC Bank and Mortgage Service Account XXXX Joint account : XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ma XXXX We opened the mortgage in XX/XX/XXXX as part of a refinance. The loan was paid off in full by per PCN, but they then added a penalty fee of over {$900.00} dollars to the balance. They have ruined my credit report and continue to do so. We have called them numerous times with no resolution. We need to physically go to the PCN branch, but we can not afford to take time off to address their billing errors. According to MGL Sect 56 and Sect 57 Chapeter 183, PCN are unlawful in their actions. 
XX/XX/XXXX -Amount owed was XXXX We paid {$1500.00} The balance should be {$190.00}, but it was not. PCN hit our credit with a Past Due notice of $ XXXXeven though we just paid them {$1500.00} XXXX We paid PCN {$790.00}. We were notified our account was " Paid in Full '' after this payment. But then, PCN added an additional {$900.00} to our account, after we were told it was paid in full. They told us it was a penalty for early payment. But, the loan was not paid early, it was paid over the course of 15-years. We continue to try to work with PCN but they neglect to respond to our calls or letters. Our credit scores are constantly being effected by these illegal charges. Please advise.
Consumer complaint received 2024-05-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc. (SC)

These are the discrepancies in this account! 

SELF / LEAD XXXX XXXX XXXX Account # : XXXX XXXX XXXX Account Type : Installment Installment Installment Account Type - Detail : Secured loan Secured loan Secured loan Bureau Code : Individual Individual Individual Account Status : Closed Paid Paid Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$0.00} {$0.00} {$0.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$530.00} {$530.00} {$530.00} Credit Limit : {$0.00} {$0.00} {$0.00} Past Due : {$0.00} {$0.00} {$0.00} Payment Status : Current Current Current Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Closed - Closed or paid account/XXXX  balance Secured Date Last Active : XXXX The discrepancies in the account across the three credit bureausXXXX, XXXX, and XXXX in the following areas : Account Number : XXXX : XXXX XXXX & XXXX : XXXX Discrepancy XXXX XXXX 's account number has a different prefix compared to XXXX and XXXX. 
Account Status : XXXX : Closed XXXX & XXXX : Paid Discrepancy : There is a variation in how the account closure is reported ; " Closed '' vs " Paid ''. 
Date Opened : XXXX : XX/XX/XXXX XXXX & XXXX : XX/XX/XXXX Discrepancy : The opening date of the account differs by 8 days between XXXX and the other two bureaus. 
No. of Months ( terms ) : XXXX & XXXX : XXXX XXXX : XXXX Discrepancy : XXXX reports the term as 0 months, which may indicate an error or a lack of data. 
Last Reported : XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX Discrepancy : There are variations in the last reporting date across the three bureaus, with XXXX XXXX report significantly later than the others. 
Date Last Active : XXXX & XXXX : XX/XX/XXXX and XX/XX/XXXX respectively XXXX : Not reported ( - ) Discrepancy : XXXX does not provide a date for last activity. 
Date of Last Payment : XXXX & XXXX : XX/XX/XXXX XXXX : Not reported ( - ) Discrepancy : Like the 'Date Last Active ', XXXX does not report the date of the last payment
Consumer complaint received 2022-11-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AL)

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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights 15 USC 1681 section 602 A. States have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not fumisha 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 terms 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 USC 1681-2 ( A1 ) 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 2022-11-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Ive sent these documents to these agencies and all inaccuracies and they are violating my rights please address these in accurate information on my consumer report, XXXX and Transunion should and need help accountable for furnishing inaccurate information.
Consumer complaint received 2023-06-06
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: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2022-11-22
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: Bread Financial Holdings, Inc. (KS)

I am reporting this company along with the credit reporting agencies for allowing these fraudulent accounts to stay on my reports, even though Ive given them ample proof that I not only DONT OWN THESE ACCOUNTS..But ALSO, Ive never even heard of these people EVER! The company Comenity Bank keeps saying that the information is accurate, but hasnt provided ONE ounce of proof other than telling the reporting agencies that the information is being reported accuratelyWHICH IS COMPLETELY FALSE BECAUSE I NEVER OPENED ANY ACCOUNT WITH COMENITY BANK OR ITS AFFILIATES, and its a shame that the credit reporting agencies are allowing this, CONSIDERING I HAVE FRAUD ALERTS ON ALL THE REPORTING AGENCIES, along with NUMEROUS FRAUDULENT ACCOUNTS ALREADY BEING REMOVED FROM MY REPORTS BECAUSE OF THE SAME THING. YET ALL THREE AGENCIES KEEP ALLOWING THIS COMPANY AND OTHERS TO SAY THE INFORMATION IF ACCURATE, JUST BECAUSE THEY HAVE A FEW PIECES OF INFORMATION. This is utterly ridiculous and Im tired of dealing with these companies not doing anything but confirming fraudulent information. I WANT THESE ACCOUNTS FOR THE FOLLOWING DELETED FROM ALL MY CRRDIT REPORTS ( XXXX, XXXX, XXXX ) : Comenity Bank - Victorias Secret Comenity Bank - Goodys I HAVE NEVER HAD ANY ACCOUNTS WITH THESE PEOPLE AND THEY ARE DRAGGING THEIR FEET BECAUSE THEY DONT WANT TO ADMIT THESE ACCOUNTS WERE OPENED FRAUDULENTLY..I have provided Identity Theft Affidavits, as well as proof of location and they STILL KEEP TRYING TO SAY I OWN THESE FRAUDULENT ACCOUNTS.LOOK AT THE PLACES THEY ARE FOR..I AM A GROWN MALE, WHY WOULD I SHOP AT EITHER OF THESE PLACES? AND I LOOKED UP GOODYS.THERE ISNT EVEN ONE ANYWHERE NEAR ME AND IVE NEVER HEARD OF THEM.DELETE THE ACCOUNTS OR FACE LEGAL REPERCUSSIONS..
Consumer complaint received 2020-07-28
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. (AR)

This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible. CHAPTER XXXX BANKRUPTCY FILED XXXX {$0.00}
Consumer complaint received 2024-05-02
Product: Vehicle loan or lease — Lease
Issue: Repossession — Account reinstatement or redemption after repossession
Company: Stellantis Financial Services US Corp. (CA)

On or before XX/XX/year> i mailed stellantis financial services documentation requesting clarification on as to the billing statements they were sending me, I sent an affidavit of truth and a billing error according to federal laws. I spoke with XXXX of there employees who received my documentation by the name of XXXX XXXX she ignored the facts about the documents and went on about collecting payment but never tried to address the documentation that I sent over to the company regarding clarification about the billing error or affidavit of truth. I explained to her before I can continue making a payment on this account id like stellantis financial services to address the affidavit of truth and the billing error. No one reached out to me about the documentation I sent over to the company, I've received numerous calls and email regarding payment from different employees and also and acceleration of negative information being reported on my credit report and recently they have repossessed the car also. According to federal law 12 CFR 1026.13 ( 3 ). A creditor shall not accelerate any part of the consumer 's indebtedness or restrict or close a consumer 's account solely because the consumer has exercised in good faith rights provided by this section. A creditor may be subject to the forfeiture penalty under 15 U.S.C. 1666 ( e ) for failure to comply with any of the requirements of this section.
Consumer complaint received 2022-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

The Credit Bureaus never did a proper " investigation '' according to the FCRA. 

The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

The did not do this. 

Also, they have violated my rights even more In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report.

The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because under 15 U.S.C 1681 section 602 A. States I have a right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : Also states that a consumer reporting agency may not provide an account without my written instructions I did not give anybody written instructions. 

I sent the credit bureaus letters asking them to verify the debt on my credit report. They sent everything back stating that everything is verified correctly. My credit report are still showing inaccuracies 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 knowns or has reasonable cause to believe that the information is inaccurate.