davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, 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. 

has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-09-06
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — Foreclosure
Company: PNC Bank N.A. (TX)

On XX/XX/XXXX, a XXXX  meeting was held in regards to a Court Order involving the foreclosure of home equity loan. I represented myself at the meeting and requested that the lender, PNC Bank provide validation of my mortgage loan. PNC Bank had recently purchased the loan from Compass Bank. I asked PNC to show the delinquent payments in the form of individual monthly mortgage payments, rather than a lump sum of past due amount. I believe the amount of the delinquency was greatly inflated and did not represent the amount owed. At the Judge dismissed the Court Order to foreclose and asked us to work together. The Judge instructed PNC Bank to validate the mortgage loan according to the guidelines. During this time I was undergoing XXXX XXXX  at XXXX XXXX in XXXX, Texas. I did not hear from the mortgage company during the remainder of XXXX. They did not provide a debt validation letter. Instead, they proceeded to manipulate the loan by removing my home equity loan from the Judicial Court requiring a Court Order to foreclose to the county court that did not require a court order. At the end of XX/XX/XXXX, the bank scheduled foreclosure sale of my home for XX/XX/XXXX. I learned about the foreclosure a day earlier and filed XXXX XXXX Bankruptcy to stop the sale. I proceeded to get HUD counseling and debt remediation from PNC Bank. The XXXX XXXXXXXX was lifted because my attorney did not follow guidelines. As soon as the stay was lifted PNC bank set another foreclosure sale date for XX/XX/XXXX. I tried to work with the bank. I would soon be finished with XXXX XXXX  and that I would be able to earn income. The bank informed me that there was nothing I could do and that they would proceed with the sale. However, my previous XXXX XXXX had been lifted because my atty failed to file papers. Because of this neglect the stay was lifted and the PNC bank instigated another foreclosure sale date for XXXX XXXX. This time I refiled XXXX XXXXXXXX Bankruptcy to stop the foreclosure. The bank is not willing to help me. They insist on foreclosing on my home. I have spoken many times with the bank and the only solution they have is to take my home.
Consumer complaint received 2023-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

in accordance with the Fair Credit Reporting Act. The List accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 usc 1681. Account name : XXXX XXXX XXXX Acct # XXXX XXXX : XX/XX/XXXX, this account is reporting inaccuracy that's hindering me and not only that i was never 30 days late. Reporting illegal information 15usc1666b BILLING error!, XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX : XX/XX/XXXX This account is outdated and reporting inaccurate information thats not valid please remove this account and negative remarks. XXXX XXXX XXXX Acct # XXXX XXXX : XX/XX/XXXX Reporting billing errors! An inaccurate reporting account needs attention please block and stop reporting late payments on the account. There are also fraudulent hard inquiries on my report without my consent and i want them removed immediately. XXXX XXXX XXXX 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 2023-08-21
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. (NH)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2024-06-25
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: Americas Car-Mart, Inc. (OK)

Was having vehicle trouble and was told to bring it to them to have it fixed made a payment while it was there car+mart then called us and said they are keeping the vehicle wasn't anything we could do then they said they sold it at auction for less then what we owed, problem is they put it back on their lot and sold it for more then we owed on it to another friend of theirs this place is into dealership fraud well this classified as dealership fraud we have called and complained time and time again we did not voluntary surrender this vehicle we was mislead the whole time also told nothing was wrong with the vehicle but we took it to 4 separate mechanics who all said the computer was bad and all the motor mounts needed to be changed b cause of failure, they got mad at us for complaining to corporate car mart in Arkansas at that point I recorded all phone interactions and notified them of me recording cart mart stated they would fix this issue but so far my down payment of {$2000.00} dollars is gone a payment of {$630.00} also gone no one returns calls, a 100 hundred other customers have had similar or worst issues with car mart of XXXX, XXXX
Consumer complaint received 2023-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

in accordance with the Fair Credit Reporting Act. The List accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 usc 1681. Account name : XXXX XXXX XXXX Acct # XXXX XXXX : XX/XX/XXXX, this account is reporting inaccuracy that's hindering me and not only that i was never 30 days late. Reporting illegal information 15usc1666b BILLING error!, XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX : XX/XX/XXXX This account is outdated and reporting inaccurate information thats not valid please remove this account and negative remarks. XXXX XXXX XXXX Acct # XXXX XXXX : XX/XX/XXXX Reporting billing errors! An inaccurate reporting account needs attention please block and stop reporting late payments on the account. There are also fraudulent hard inquiries on my report without my consent and i want them removed immediately. XXXX XXXX XXXX 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 2015-07-30
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (WA)

Homeowners XXXX XXXX and XXXX XXXX obtained a HAMP in XX/XX/XXXX but believe that the loan servicer ( now Nationstar ) erroneously failed to remove the $ XXXX monthly private mortgage insurance. 

The mortgage insurance makes their loan unaffordable, and when combined with some other challenges, caused them to fall behind in XX/XX/XXXX. XXXX XXXX and XXXX XXXX hired XXXX XXXX, XXXX in XX/XX/XXXX to help them resolve the arrears. On XX/XX/XXXX, Nationstar guaranteed that it would remove the {$250.00} cost of the mortgage insurance if the homeowners reinstated by XX/XX/XXXX The homeowners timely reinstated but Nationstar now refuses to honor its promise to remove the private mortgage insurance.
Consumer complaint received 2024-06-25
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Arivo Acceptance, LLC (TN)

I have an account that was due on the XXXX but I have it scheduled to come out on XX/XX/XXXX. According to my contract I have 10 days to make the payment before a late fee applies. They are now telling me it has to be paid this month because thats their policy although that violates the 10 days allotted in the contract. Im also being charged daily for not paying within the 10 day period.
Consumer complaint received 2023-09-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Nelnet, Inc. (MD)

ACCESS LOANS IS SHOWING UP ON MY REPORT AS AN ACCOUNT OPENED AND NOT PAID. I HAVE NEVER OPENED UP AN ACCOUNT WITH THIS COMPANY NOR DO I WORK FOR THE EMPLOYER THAT IT WAS CREATED FROM. I DONT HAVE ANY KNOWLEDGE OF THIS ACCOUNT. IT IS NOT MY ACCOUNT. I AM AM WAITING FOR A COPY OF POLICE REPORT. THIS ACCOUNT IS NOT MINE
Consumer complaint received 2018-04-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A. (AZ)

I am angry that Citi and XXXX XXXX XXXX, bailed out with my tax dolkars, are engaging in social engineering and anti-constitutional practices by refusing to do business with perfectly legal XXXX manufacturers. 
Because they accepted tax dollars to cover their mistakes the are now semi- public companies. 
Their actions should be sanctioned by regulators
Consumer complaint received 2023-09-06
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. (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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX . 

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts above. 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 2023-09-06
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: National Credit Systems,Inc. (NC)

Starting on XX/XX/XXXX around XXXX is when they started calling me, and I've told them if they don't want to provide the information I requested then I would not be cooperating with them until said information was provided. The calls slowed, but now they have gotten more aggressive calling twice a day nearly once a week and constantly using new phone numbers to get around my blocking to fill up my inbox with numerous voice-mails of the same thing over and over again. It's been 4 months now and they refuse to cooperate or stop harassing me. It's extremely ridiculous to the point where I've contemplated paying the money to change my phone number. I am including a screenshot of the calls from just the last few weeks to show their constant calling and voice messages.
Consumer complaint received 2023-08-21
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. (NJ)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-09-06
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: I.C. System, Inc. (CA)

Hello, I was put as the primary account holder on the bill for our XXXX  & XXXX  in XXXX of 2020. At the time, it was the height of the pandemic, and I was very low on funds. So were my housemates, who were also contributors towards the XXXX XXXX XXXX bill for our home. As a result, we were unable to pay our XXXX XXXX  XXXX bill for the duration of our stay. I did make some payments, however, and did my best to stay on top of it. Sadly the bill continued to increase despite my best efforts, which were limited greatly by the pandemic. I am contacting the bureau with this complaint as more of an appeal to XXXX XXXX  XXXX to consider any other possible means of collecting payment for the debt owed, perhaps through a pandemic relief package, or of that nature, that would resolve this debt and remove it from my credit report. The debt is by far the largest I owe, and is preventing me greatly from achieving my financial goals at this time, years later. It would be deeply appreciated if there was a way to resolve this debt with XXXX XXXX XXXX and XXXX and with I C System Collections. I will do whatever is suggested to achieve this end, and any information is appreciated.
Consumer complaint received 2023-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY (GA)

1681s-2 ( a ) ( 1 ) ( F ), which was added as part of the CARES Act. In general, this provision requires a furnisher to report the credit obligation or account as current during the XXXX pandemic, unless the account was delinquent before the accommodation. F ) Reporting information during the XXXX pandemic ( i ) Definitions In this subsection : ( I ) Accommodation The term accommodation includes an agreement to defer 1 or more payments, make a partial payment, forbear any delinquent amounts, modify a loan or contract, or any other assistance or relief granted to a consumer who is affected by the XXXX XXXX XXXX  ( XXXX ) pandemic during the covered period.In accordance with the Fair Credit Reporting Act XXXX  Account # 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 states a consumer reporting agency can furnish an account without my written instructions. 46.9K 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. in accordance with the Fair Credit Act Reporting Act. this creditor has violated my rights under 16 USC 1681 section 6 o 2 states I have the right to privacy 15 USC 1681 SECTION 6 O 4 A SECTION 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 166B a credit 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 2023-09-07
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Bread Financial Holdings, Inc. (NY)

In XX/XX/2023 I began receiving notices that said I was being sent a Comenity Bank, XXXX XXXX XXXX XXXX card. I didn't respond in any way, because I knew I did not apply for any credit line or card with Comenity or XXXX  XXXX. Yesterday I received an actual credit card with a notice that I have a {$3300.00} line of credit. I visited the websites linked with the information and wrote refusals/complaints in at least XXXX of the response areas at those pages, including help chats that responded with totally unconnected items such as trouble with billings. I did not go so far as to " register '' with the account, fearing that would be agreeing to the credit line. 
I want to refuse to accept the card and credit line and have all record of this infringement removed from any of my credit reports.
Consumer complaint received 2024-06-24
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Paypal Holdings, Inc (CA)

I was making a donation to my children 's school and was directed to use PayPal XXXX XXXX to be able to charge it on, a business credit card ( wanted to get the points ). My dad who shares this company card with me saw the charge and did not recognize it so he filed a dispute. We then spoke about it and realized the mistake that was made. My dad called back the card customer service and asked it to be sent back so PayPal could distribute the funds to the school. XXXX XXXX on XX/XX/XXXX, fraud dispute on XX/XX/XXXX ( credited back by card company ), changed again on XX/XX/XXXX. For months we have waited for the funds to be applied to the school 's giving fund or for them to be sent back to the charged card. I have filed many disputes with PayPal, called them, messaged them on their site, talked to the credit card company, who can't do anything at this point because the charge was already disputed once. Finally on XX/XX/XXXX PayPal says they have closed the case and have sent the funds back to the issuing card but it could take 30 days. Called the credit card today XX/XX/XXXX after not seeing any credit back for weeks. They have no credit from PayPal. Call PayPal again today, the person on the phone says they will see where the funds are and will send an email in XXXX hours. I want my {$5000.00} back ultimately so I can donate it to the school who I have promised {$5000.00} to.
Consumer complaint received 2023-07-08
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (MO)

I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.
Consumer complaint received 2023-09-06
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

What happendd is in XXXX 2019 my capital card ended XXXX was charged {$4000.00} in XXXX by someone that was unauthorized to charge my card.When I tried to reach out to the company they have never pick up my call .When they do, they hang up on me. When I file a complaint Capital one had already sold my account and did not want to remove the charge.I submitted multiple disputes to both XXXX and XXXX still this fraudulent charge was not removed. 

I am asking please for this charged to be removed from my XXXX  and XXXX credit report.
Consumer complaint received 2023-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NY)

On XX/XX/2023 and on XX/XX/2023 I submitted written requests to the credit bureaus to investigate my credit file. I requested they investigate XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, and XXXX XXXX XXXX. 

These accounts are reporting incorrectly and the credit bureaus have not sent anything to me at all and its been over 60 days. What's even scarier is that they have also not put any dispute verbiage on my credit report which is illegal. They are required to put dispute verbiage on accounts in question. the bureaus are circumventing the FCRA and not investigating my file per my rights and I am outraged. This is their job.
Consumer complaint received 2023-07-07
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. (IA)

Credit report is stating inaccurate. Account status reports as Open with XXXX while Closed by XXXX and Equifax. Stating a pass due balance and consecutive Charge off as if it was some sort of payment method with missing date account was closed. There is no way that account is Open with one bureau but yet Closed with other two bureaus. Definitely account can not be stating a pass due with consecutive charge off on a dead account. I have not received a notice of sale up to this date. Account is definitely not following accurate protocols and I have the right to an accurate credit report.
Consumer complaint received 2023-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NY)

On XX/XX/2023 and on XX/XX/2023 I submitted written requests to the credit bureaus to investigate my credit file. I requested they investigate XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, and XXXX XXXX Target. 

These accounts are reporting incorrectly and the credit bureaus have not sent anything to me at all and its been over 60 days. What's even scarier is that they have also not put any dispute verbiage on my credit report which is illegal. They are required to put dispute verbiage on accounts in question. the bureaus are circumventing the FCRA and not investigating my file per my rights and I am outraged. This is their job.