davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-28
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. (FL)

I am Writing to you to express my deep concerns over the fraudulent accounts on my consumer report. I was shocked to learn that I was a victim of Identity Theft, which has caused a negative impact in my credit history and on my financial wellbeing. This has been hurting me as I am in the process of purchasing a home for me and my family. I am Emotionally distressed and need these fraudulent accounts to be remove within XXXX days of receipt. 
Accounts below : 1. XXXX XXXX XXXX.. 
XXXX. XXXXXXXX XXXX XXXXXXXX..
Consumer complaint received 2024-06-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-05-17
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)

Hello, XXXX XXXX has reported 8 late payments on my account. 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. Account : 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 2017-02-28
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Advance America, Cash Advance Centers, Inc. (GA)

I received correspondence from a collection ageny accusing me of owing a payday loan debt from XXXX from a company I 've never heard of .When I inquired about being provided in writing proof that I owe this debt, the collection agent refused to provide me details in writing stating that it will be presented in court.I asked for the proof because without informing the agent I wanted to see if there was a signature of any sort on any documents and compare to my own.Around XXXX my mother was a victim of identity theft and I want to make sure I was n't affected as well.The agent mentioned a bank that I supposedly wrote the check from and I have never opened or maintained an account at the bank he mentioned.The interesting thing is I have never heard of this company before ( Advance America ) and I have never taken out a payday loan with them.I asked about three times if the information could be provided showing proof that I supposedly owe this money and the agent refused to provide proof of documentation which I thought was required by law anytime you are being accused of a debt. The correspondence also reports that I need to pay to have it removed from my credit report but what is interesting is that it is not on any of my credit reports which made me even more suspicious of this situation.These people are threatening to sue me and place a judgement on my account and wage garnishment as scare tactics which has to be illegal as I truly believe these to be false claims.If I supposedly owed this from XXXX then why in XXXX would they suddenly attempt to collect a so called debt that they claim I owe? I 'm certain that if such a debt was owed, they are beyond the statute of limitations.The company 's information is as follows : XXXX ADVANCE AMERICA XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX
Consumer complaint received 2023-06-14
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. (GA)

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. 

Account # 's XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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.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 2023-05-27
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)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2017-05-13
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: CITIBANK, N.A. (MI)

When I did a home loan modification in   XXXX   at least 25 years was added to the length of my 30 year mortgage with an  XXXX  dollar balloon payment at the end.I feel like this is too much, I have lived in my home for 21 years and now I still have  XXXX  more years to go with a balloon payment.I feel like I have a double mortgage.
Consumer complaint received 2017-12-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Statebridge Company (MA)

My mortgage was transferred from XXXX to Statebridge XX/2015. No paperwork was received. I had to contact XXXX to receive information on new company. Statebridge continuously state for a year and half I did not have a mortgage with them. After making contact with them I sent a bank check in certified mail-XXXX, I sent another bank check that was returned. I then contacted Statebridge.after numerous attempts and over one hour wait times ( phone records for proof ) I also had sent weekly emails to the company with not one response, I did receive statements I made contact with a person named XXXX who stated they would not accept my payments at this time and I was in active foreclosure. I then asked for some type of modification I had most funds but insurance had escalated. My insurance was {$1800.00} they were stating my flood insurance for {$7500.00}. The representative stated to apply for a modiication, I did the modification three times all times stating they did not receive. I then asked for one specific representative her name was XXXX XXXX which I did process twice waiting or a response I contacted Statebridge and they stated she was no longer with the company. I then was assigned to a XXXX XXXX I did modification again but they requested I get a binder for insurance. I then had to reapply for modification and received a binder with XXXX XXXX which I paid again did not hear and when I contacted Statebridge I was told XXXX XXXX no longer works for Statebridge. I then asked to speak to a head supervisor as the entire process was a debacle. I then made contact with XXXX XXXX, I at this point was required to attain flood insurance in which I purchased. I finally received a modification but at this point my interest went from 5 to 6 % I honestly thought it was an error. I contacted her and she stated the investor wanted it that way, I would have to do another modification and try different options-she then stated I needed an appraisal from XXXX XXXX which I scheduled. I CONTACTED XXXX AGAIN as I did not receive any response. They stated the appraisal was never completed and I would have to do another appraisal visit in which I scheduled. I then again made contact with XXXX XXXX to find out she is no longer with Statebridge and XXXX XXXX was contact. I contacted XXXX XXXX at this point I was offered a repayment plan with a % XXXX down  payment and a mortgage payment of {$6200.00}. This company is completely disorganized and I have in good faith tried to work with them. I am able to put down a down payment but ask for a reasonable mortgage. I have all emails, first modification but was unable to send as file was to large. I can print and forward if necessary.
Consumer complaint received 2024-06-11
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: General Motors Financial Company, Inc. (TX)

In XXXX of 2024 car loans was purchased from GM FINANCIAL without my consent or authorization ( account XXXX in the amount of {$110000.00} also account XXXX also opened in XXXX of 2024 with the amount of {$97000.00} ), these accounts reflect me of being a victim of identity theft, I have notified the FEDERAL TRADE COMMISSION of these actions along with the 3 credit bureaus. These accounts dont reflect negative information on my credit reports but positive, but these loans are not my loans.
Consumer complaint received 2020-04-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SUNRISE CREDIT SERVICES, INC (UT)

Sunrise credit Service - XXXX - is reporting on my credit and attempting to collect a debt that I had already paid and settled with XXXX XXXX XXXX.. They threatened and forced me to pay again so I have contacted my attorney regarding their tactics.
Consumer complaint received 2023-02-01
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 — Problem with personal statement of dispute
Company: Nelnet, Inc. (OH)

I sent in dispute letters to challenge this accounts reporting on my credit. I sent letters on XXXX, XX/XX/XXXX and XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$4500.00} {$0.00} 5.60 % XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2000.00} {$0.00} 6.80 % XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX {$2400.00} {$0.00} 6.80 % XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$3300.00} {$0.00} 6.00 % XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$960.00} {$0.00} 6.00 % XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$3600.00} {$0.00} 6.00 % XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1500.00} {$0.00} 3.40 % XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$2600.00} {$0.00} 4.50 % XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$3400.00} {$0.00} 3.40 % XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$140.00} {$0.00} 6.80 % XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1200.00} {$0.00} 6.80 % XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$4800.00} {$0.00} 6.80 % XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX  {$4500.00} {$0.00} 5.60 % XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX {$2000.00} {$0.00} 6.80 % XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX {$2400.00} {$0.00} 6.80 % XX/XX/XXXX
Consumer complaint received 2023-03-16
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. (AR)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance : {$370.00} ; XXXX XXXXXXXX Balance : {$3100.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00}.
Consumer complaint received 2024-03-05
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: PNC Bank N.A. (NJ)

On XX/XX/2023 a payment of {$130.00} was made to XXXX for a 30 year XXXX XXXX reunion which was to be held in XX/XX/2023. 

On XX/XX/2023 we received an email stating the reunion was cancelled and we would be refunded. 

In the interim we found out the XXXX representative who was in charge of our high school reunion had passed and as of today we are still owed money. 
In XXXX, when I realized there was no resolve, I started the claim process to have my money refunded to me. 

I received a denied claim letter from PNC because I didn't submit my claim within 60 days of the charge statement. I have spoken to several PNC reps, I've visited the branch trying to explain that it is IMOSSIBLE for me to have submitted the claim within 60 days since we did not find out the reunion was cancelled until XXXX. Well over the 60 days statement grace period. 
I have not been able to speak to anyone at PNC to resolve this and have my money refunded. This is financial institution theft!!!! I have banked with PNC for well over 20 years! UNACCEPTABLE!
Consumer complaint received 2023-03-16
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)

The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2018-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I like to inform you that I have a problem with my credit report in which the site didn't have anything to choose from that fits my problem. I have over 20 plus inquiries on my credit report. In which I didn't give anyone permission to pull my credit report. I need XXXX, XXXX, and Transunion to invesitgate with each company. To make sure they have a sign document, audio recording, and electronic signature stating I have given them permission to pull my credit report. I am attaching a copy of my credit report for review and investigation. This is my first steps to removing all the inquiries off my credit report that doesn't have legal proof that they belong on my credit report.
Consumer complaint received 2017-05-13
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (NJ)

Navient has on many occasions refused to give us the best repayment option.
They have steered us into forbearance after forbearance stating that if we didnt take it our payment would be {$1200.00} a month.     I mention ed IBR and Obamas PAYE and the y told me time and time again that we didnt qualify leaving us no choice but a forbearance.   Even with my husband out of work and my income at {$37000.00} a year they still told me my payment would be {$1200.00} a month.   It wasnt until I threatened lawsuit did they budge and finally give me a decent repayment option.   But now the year is up and they are at it again with the high repayment terms that we cant afford.   For years they have intentionally forced me into forbearance exhausting all my forbearances while refusing me a decent repayment schedule that I could afford.
Consumer complaint received 2024-03-04
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: SYNCHRONY FINANCIAL (CA)

I had, and should currently still have, a XXXX XXXX XXXX from Synchrony Bank with a {$4000.00} limit and no balance due on it. On XX/XX/XXXX, my card was stolen. I had reported the stolen card immediately to XXXX and they had said the card would be locked and replaced within a month. I am still waiting for a replacement card as of Monday XX/XX/XXXX and they had also lied about locking the card as a balance of {$4200.00} was accrued over the course of nearly a year which I DO NOT owe. They have wrongly and falsely sent me to collections for a debt that I DO NOT OWE because the card was STOLEN which means I did not have access to it and was unable to use it. I would rather not get a lawyer involved but seeing as XXXXSynchrony bank XXXX sent me to collections and have constantly refused to assist me in this matter anytime I call them, I feel that I am going to need to get a lawyer soon if the debt is not resolved and my account re-opened with a {$0.00} balance as it should be. I have called XXXX XXXX times about this issue over the course of the last nearly XXXX years and they have refused to assist me during any of those calls and have even hung up on me countless times.
Consumer complaint received 2023-05-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I disputed incorrect information contained in my credit report in a letter date XX/XX/2023. I understand that, under the Fair Credit Reporting Act ( FCRA ), I am entitled to timely response from your bureau. Please take notice that I must receive a corrected copy of my credit report with the changes I have outlined within five ( 5 ) business days from receipt of this letter, or I will be forced to take legal actions under the FCRA, seeking damages for loss of credit and for the mental anguish your bureau has caused me. Because of your violation of the FCRA 's time frame on such timely responses, it is safe to believe that the information I have disputed has been corrected and all negative data have been removed from my credit report. Please see the attached dispute letter that is dated, and time stamped. I thank you for your kind attention to this matter and hope to receive my updated credit report soon.
Consumer complaint received 2023-05-27
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. (IN)

This is the several times I've complained about being a victim of identity theft. You must remove any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The following items are inaccurate that needs to be removed : XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX, IN XXXX ; XXXX XXXX XXXX XXXX # XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX Balance XXXX XXXX {$0.00} ; XXXX  XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$1000.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; 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 {$0.00} ; XXXX  XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$1100.00} ; XXXX XXXX  XXXX Balance Owed : {$0.00} ; XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$1000.00} ; XXXX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.