davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-24
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CURO Intermediate Holdings (AL)

AD Astra Recovery Service, on behalf of " Speedy Cash XXXX '' has had a collection to my credit report for the amount of XXXX. I am not aware of this debt, nor have I received a letter about the debt notifying me of my right to dispute - Nor have I received a debt validation letter. 

I live in the state of Alabama. I am not sure that this creditor is even registered in alabama to collect funds. 

I want this erroneous information removed ASAP
Consumer complaint received 2024-01-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/202XXXX XXXX XXXX XXXXXX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023
Consumer complaint received 2021-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (SC)

Experain Information Solutions , Inc and XXXX XXXX XXXX XXXX have recklessly failed to follow reasonable procedures to ensure the accurate reporting of my credit under the FCRA Notice on the XXXX XXXX XXXX, XXXX wrong information as to # 2 ( You have too many delinquent or derogatory accounts ) only. 

In addition, I contacted both agencies ( Experian and XXXX XXXX ) in regards to the recent reporting of my credit report. I attempted to get credit with XXXX XXXX and XXXX  XXXX XXXX. Both creditors reported back the following on or about XX/XX/2021 1. Balance on your accounts is too high 2. You have too many delinquent or derogatory accounts and ; 3. The total of all balances on bankcard or revolving accounts is too high.

This information would be totally old and incorrect. I have no balances on any of my revolving accounts and havent had any for more than 60 days.

Misreporting such information after being made aware willfully and/or negligent violates Section 1681 e ( b ) of the FCRA. Such action of delayed or failure to update reporting files in a timely matter also violates Section 1681 I of the FCRA. 

I was denied a mortgage and housing rental due to the negative and incorrect information provided by these two agencies. The information being reported to creditors is old and outdated by at least six ( 6 ) to eight ( 8 ) months. 

I am demanding that they correct the information within my report and provide me written notice that it has been corrected in writing.
Consumer complaint received 2021-01-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (TX)

In XXXX of XXXX I did a change of address in my account and the bank froze my account and card saying I needed to send in a current Id in order to get to my funds. I couldnt get an appointment to get a new id until XX/XX/XXXX. I have bills going past due and my phone has been cut off because of this.
Consumer complaint received 2023-02-19
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: Experian Information Solutions Inc. (VA)

Fraudulent hard inquiries were made on my credit report that I did not authorize nor knew of. 
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: RENASANT CORPORATION (MS)

My mortgage at Renasant Bank in XXXX, MS was scheduled to refinanced when my balance was approximately {$16000.00}. I filled out the online application and supplied all needed information to my bank. I also submitted a bid for home repairs in the mortgage package along with the balance of the note. During this time, Renasant dragged their feet getting this done and passed me around to 3 different loan officers, taking over 3 months to complete. The loan balance was refinanced but i was turned down the additional funds for repairs due to my credit score. During this three months time, I have learned that Renasant reported to all credit bureaus that I was 30 and 60 days late with a payment on this loan that was in the process of being renewed and was untrue. This false reporting hit my credit score for over 100 points. And I believe that Renasants own false reporting to credit bureaus was used to make the decision to deny my additional funding. I now suffer consequences of the lowered credit scores including having lines of credit withdrawn and loan applications denied much less the refusal for Renasant to lend the additional funds for home repairs
Consumer complaint received 2021-10-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: AMERICAN EXPRESS COMPANY (FL)

On XX/XX/XXXX  I opened an small business checking account with Kabbage by American Express. On the same day, I began the transfer of {$6000.00} to this new checking account. When I attempted to access my account on XX/XX/, to review the status of my transfer and to begin making additional deposits into the account, I was informed that the account " has been locked for security purposes '' and that this was " done to keep your account secure. To unlock your account, please contact us. '' I've attempted to contact this company on several occasions, beginning on XX/XX/XXXX, and through the weekend to XX/XX/XXXX, each time hearing a recorded message that - despite the company 's published customer service hours - customer service was unavailable and would be available the following day at XXXXXXXX XXXX XXXX ; the company, as of the time of this filing, has not reopened and therefore has been unable to unlock my account and provide me access to my funds.
Consumer complaint received 2021-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CNG FINANCIAL CORPORATION (WI)

In XX/XX/2021, I noticed that XXXX was show showing a repeated charge off that manipulated statute of limitations regarding XXXX/CNGO Acct # XXXX. I asked XXXX and XXXX/CNGO to investigate and delete as it was reporting inaccurately. Both entities claimed verified with XXXX fraudulently claiming they do not have the power to remove the account. I then asked for MOV that was ignored by both entities. Then I asked XXXX/CNGO to prove they were reporting correctly. They could not do so. In fact, all they sent me was an unsigned contract which is not proper verification/validation of a debt. 
However, both XXXX and XXXX/CNGO both claim this account is reporting accurate and refuse the delete this inaccurate and unverifiable account. Which is a violation of my consumer rights and an FCRA violation. 
Furthermore, it is blatantly illegal to report a charge off for 5 months in a row then report nothing for 12 months to then remark 'N ' two to three years later. This is clear manipulation of statute of limitations and the inability to properly validate/verify debt with a signed contract with my signature allows me to seek monetary compensation for violation of my consumer rights. I demand that the account be deleted in full or to be compensated to the amount of {$1000.00}. I have been asking that this be resolved for the past 6 months, Per the FCRA I am entitled to monetary compensation for violation of my consumer rights.
Consumer complaint received 2020-06-15
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)

Transunion and XXXX  are both reporting incorrect information on my credit report. they are both reporting an account from XXXX XXXX, that does not belong to me. the address that they are reporting does not belong to nor have i ever lived there. i asked them to provide me with verifiable proof and they have not. they have not produced any documentation, no binding agreement contract, no signature that belongs to be. they have only produced an itemized bill, which proves nothing.
Consumer complaint received 2021-01-28
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. (TN)

I have mail a letter in XXXX about this account and and I have not been giving any information. Transunion and XXXX have Violation of Privacy and inaccurate and unfair reporting. 

According to law, 15 U.S. Code 1681 - Congressional findings and statement of purpose, ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

According to 15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; Which main the transaction should not be report or include on my credit report. 

According to 15 U.S. Code 1681b - Permissible purposes of consumer reports, In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. ( 2 ) In accordance with the written instructions of the consumer to whom it relates
Consumer complaint received 2024-01-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

I started this issue with the XXXX  back in XX/XX/XXXXXXXX  and it still has not been resolved. 

I am still waiting on the letter from XXXX XXXX as they once again reported me as delinquent but instead of in XX/XX/XXXXXXXX  they changed it to XX/XX/XXXX. 

I have three weeks to move and my and my kids now have no were to go because of this. 

I have contacted a lawyer, and plan to sue XXXX XXXX as they are unwilling to fix their issue. 

They have reported illegal information, this card had nothing at all to do with the bankruptcy, nothing at all, I do not understand why it is so hard for them to read. 

I will try again the XXXX  XXXX was filed in XX/XX/XXXX, and discharged in XX/XX/XXXXXXXX  if the card was not open in XXXX  it could not be included in the bankruptcy, it was illegal of them to closed the account using an old bankruptcy case. 

And no payments were late, as they refused to take a payment from me in XX/XX/XXXXXXXX  this is all XXXX XXXX error. 

Attached is a new XXXX report showing the delinquency that XXXX XXXX report on XX/XX/XXXX.
Consumer complaint received 2023-02-11
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 XXXX Account with XXXX ending in # 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 2021-01-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL (GA)

CareCredit/Synchrony Bank charged consumer a late fee, when her account was never late. CareCredit finally agreed to reverse the {$38.00} late fee, however they reduced consumer 's credit limit by {$300.00} for the sole purpose of finagling a derogatory credit score. Consumer had a {$1500.00} LOC and had paid the balance down by {$300.00}. Then CareCredit reduced the LOC to {$1200.00} showing only {$53.00} available credit, which increased consumer 's credit card debt ratio on consumer 's credit file. Consumer has not being late, but CareCredit blacklisted consumer 's credit by reducing LOC as a poor credit risk, although consumer was gradually decreasing the balance. 

CareCredit claimed that consumer 's XX/XX/XXXX payment was late, and the payment was due on XX/XX/XXXX. However, based on consumer 's statements, she paid {$50.00} on XX/XX/XXXX for deadline of XX/XX/XXXX payment. Consumer made an additional payment of {$30.00} on XX/XX/XXXX totaling {$80.00} for the XX/XX/XXXX billing cycle. Consumer then made a payment of {$72.00} on XX/XX/XXXX for the billing cycle ending XX/XX/XXXX. After XXXX 's billing cycle closed on the XXXX, consumer made made a XXXX payment of {$100.00} on XX/XX/XXXX for XX/XX/XXXX payment, billing cycle ending XX/XX/XXXX. 

CareCredit became confused with their own billing cycle, determining that a payment had been missed, since consumer made payment early after the close of XXXX 's cycle, and before the end of the XXXX billing cycle payment on the XXXX of the month. CareCredit failed to discern that a payment can be made early the month before. CareCredit is trying to extort consumer to pay two payments in one cycle by adding a late fee and decreasing credit. 

This reduction of credit LOC ( line of credit ) tells consumer 's CBRs that she is overextended by reducing her credit limit. Consumer has made a payment in every billing cycle without missing a payment. Consumer is requesting that original LOC be reinstated and CareCredit be held accountable for charging a late fee and lowering the LOC intentionally, misrepresenting consumer 's credit record.
Consumer complaint received 2021-10-23
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: Bread Financial Holdings, Inc. (FL)

Under 15 USC 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( C ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other. 2 ) In accordance with the written instructions per the consumer to whom it relates : XXXX  ( XXXX XXXX XXXX ), XXXX, XXXX XXXX XXXX  never gave XXXX, XXXX, XXXX " written consent '' to report anything on my consumer report they are saying they have but not supplied accurate validation of said certified mailing proving I have supplied such.., No Consent is IDENTITY THEFT. Concerning the account listed below as a Consumer, I Am demanding a deletion of this 3 accounts effective Immediately. I, XXXX XXXX the Executor, have a legal right and security interest, under federal law ( 49 USC 14301, UCC 9-317,12 CFR 1026.23 ) to cancel this transaction, only collecting the proceeds not assets, without any penalty or obligation from the above date or any later date on which all material disclosures required under the truth in lending act have been given to you.When canceling this transaction any lien or other security interest on my property arising from this transaction is automatically void. I am also entitled to receive all proceeds of which this account is owed. This investigation has prolonged for more than a month. According to the FDCPA this is a violation the account must be removed according to Federal Law, silence is acquiescence.
Consumer complaint received 2024-01-10
Product: Credit reporting 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 value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-10-24
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I ( natural person ) refuse to pay this alleged debt, I contacted the company to get the inaccurate information deleted off my consumer report, also I have an cease and desist on XXXX XXXX XXXX and the company is still in contact with me by reporting inaccurate information to my consumer report. The consumer reporting agencies put in a request for the alleged debt to be deleted. However, I disagree with there investigation results because pursuant to 15 USC 1681a ( e ) the consumer reporting agency must report to my neighbors, friends and associates. They didn't provide me with the results on how they investigated this alleged debt which makes this process unlawful.
Consumer complaint received 2017-05-04
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (NY)

I have been working hard to address my student loans with no help from navient. I have applied for income based repayment however they have never responded in writing to my multiple request and when I call I am always given a different monthly amount as my new repayment amount that I well above what I am capable of paying especially in the midst of  XXXX  and a divorce.
Consumer complaint received 2018-06-29
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: SN SERVICING CORPORATION (PA)

Our Complaint is against SN Servicing Corporation XXXX, CA - processing agent XXXX. In an event to bring our loan current. We reached out to the SNS. in XX/XX/XXXX. We made an agreement via XXXX XXXX in XX/XX/XXXX to pay {$6500.00} down and {$500.00} for 6 months. At the time of making the initial payment we were advised that all court proceeding were to cease as the payment arrangement met the requirements of SNS investors. SNS cashed our {$6500.00} payment and applied it to our account however, we continued to receive court notices. We contacted XXXX in XX/XX/XXXX and was advised via XXXX that the court dates were prior to the agreement and we did not have to attend court dates. She confirmed that our account was no longer being pursued. We continued to make monthly payments that were deposited. In XX/XX/XXXX we became concerned that no document was sent to us via SNS for us to sign about our agreement, and we received another court date. XXXX XXXX gave us the SNS attorney XXXX contact number we made several attempts to call with no response from her XX/XX/XXXX. We stopped sending payments because our property was still being actively pushed towards foreclosure. In addition, SNS to divert and cause delayed payments SNS sent a letter stating payments were no longer being processed at the location other payments were made. We have experienced theft by deception on behalf of SNS, once payments were made to bring the account active SNS confirmed they would halt foreclosure and it was not. We were advised by SNS via XXXX NOT TO ATTEND COURT DATES and were forced into Foreclosure status.
Consumer complaint received 2023-07-04
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: NAVY FEDERAL CREDIT UNION (GA)

I received a notice via USPS dated XX/XX/2023 from XXXX XXXX XXXX XXXX, XXXX located at XXXX XXXX XXXX XXXX, XXXX, GA XXXX, regarding a mortgage account with Navy Federal Credit Union. Within the letter there is a section labeled " How can you dispute the debt ''? It advises me to respond by XX/XX/2023. 

Today XX/XX/2023 I received a second notice labeled as Notice of Nonjudicial Foreclosure Sale from XXXX XXXX XXXX XXXX, XXXX located at XXXX XXXX  XXXX XXXX, XXXX, GA XXXX. Per Georgia Attorney General 's Consumer Protection Division 's website https : //consumer.georgia.gov/consumer-topics/debt-collectors XXXX XXXX XXXX XXXX, XXXX must give me the allowable time to dispute the debt in its entirety or partially. The first notice from XXXX XXXX XXXX XXXX, XXXX stated that I have until XX/XX/2023 to dispute the debt.
Consumer complaint received 2023-06-30
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: SYNCHRONY FINANCIAL (TX)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.