davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-19
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 had an old private student loan that defaulted in XXXX however the collection agency XXXX XXXX is reporting it is a brand new collection from XX/XX/XXXX.
Consumer complaint received 2021-11-19
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: EQUIFAX, INC. (IN)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-05-23
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)

In accordance with the Fair Credit Reporting act XXXX  Account Name : XXXX XXXX Account number : XXXX, Account Name : XXXX XXXX  Account number : 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 2021-11-20
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Lending Club Corp (MI)

I received notice that I am being sued for a debt with Lending Club, closed in 2016. I received a letter from their collection agency XXXX XXXX. I sent a letter disputing the debt dated XX/XX/XXXX. I NEVER received validation of this debt until I received the Summons from the court. I NEVER received ANY information regarding the original creditor from this company, NOR from the attorney 's. The collection agency and the Attorney 's XXXX XXXX XXXX, FAILED to follow the correct protocol before suing me for this debt with the Lending Club.
Consumer complaint received 2021-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Credence Resource Management, LLC (CA)

This is an old debt, from when we had XXXX for internet. We switched from XXXX XXXX XXXX XXXX XXXX for internet, and XXXX continued to bill us for XXXX  months. They stated we never requested cancellation. I gave up fighting it, and accepted the collections status. 

The debt is from a few years ago, and has been sold at least twice that I know of to different reporting companies. It was just sold again, and they are currently reporting it as an OPEN account that was opened on XXXX of XXXX. 

This is NOT accurate. We last paid them in XXXX or XXXX of XXXX. This is XXXX year old debt, and should reflect that. 

The current report shows a balance {$160.00} from XXXX ( both are probably correct ) The date opened shows as XX/XX/XXXX ( VERY incorrect - Opened XXXX, XXXX and ended XXXX ) It also shows this as an 'OPEN ' account, when it has been through the hands of multiple collections agencies. 

The re-addition of this 'new ' date and status has tanked a credit score that I have been working very hard to rebuild. 

I have tried to dispute this with XXXX, but they said that they confirmed the information was valid. It is very much NOT. 

Please help.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report.
Consumer complaint received 2022-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Are their bar members involved with the financial institutions known as consumer reporting agencies? Everyday identity theft is done by employees of the consumer reporting agencies that are in fact financial institutions because those employees illegal tender, transfer and pass off social security numbers for payment yet the consumers who are injured financially from such negligence along with their personal and professional reputation by way of private consumer transactions being reported with that Man or Woman authorization, written consent or permission to do. These crimes involves money laundering, unlawful racketeering, fraud, divest, barbarism, besmirch, bank fraud, trust fraud, interstate commerce without no contracts being tied to a Man as a protected consumer, securities fraud, constructive and fiduciary fraud by trustees acting as beneficiaries and administrators with express contracts in place.

Eye would like the names of the bar members so that I can prepare bar grievances to be filed immediately!
Consumer complaint received 2021-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MN)

There was never a late payment. The name of the Company is XXXX XXXX XXXX XXXX. The company has numerous of scam issues against them. Yet Equifax, XXXX, and XXXX have enable them to falsely report information. Saying that the information is verified without asking for any proof. In fact, I do not owe XXXX XXXX XXXX XXXX anything nor I was late. Please proof that I was late!
Consumer complaint received 2021-11-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (AZ)

On Thursday, XX/XX/XXXX at XXXX AM I went inside the Chase branch near my house. I deposited {$2400.00} in cash into the ATM inside the bank. The ATM took a long time to try and process the account and eventually there was a message that said they were having a problem. And to be sure the deposit went through please call us at this number will print the number on your receipt. This particular branch has not given out receipts on their ATMs for the past several months. I went to talk to the branch XXXX and she gave me a number to submit a claim. I submitted a claim, the customer service representative said it could take two hours up to two days to have the money deposited into my account and that they would send an email confirmation to update me on anything that is going on. It has been 2 1/2 days and the money is not in my account and I have not heard anything from Chase. The ATMs are defective and ATMs do not give out receipts any time you make a deposit.
Consumer complaint received 2023-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LendingPoint Holdings LLC (MO)

I took out personal loan from LP on XXXXXXXX XXXX XXXX for {$10000.00}. I made in time payments on XXXX of month until XX/XX/XXXXXXXX XXXX 
I was contacted by XXXX XXXX in XXXX of XXXX that my interest rate was too high, and they could negotiate settlement and cut payment term years in half. 
I started making payments of {$270.00} on XXXX of each month to XXXX to the negotiation and towards settled amount when it was final. 
on XX/XX/XXXX, the amount of {$1000.00} was settled for $ XXXX of today, I have made on time payments to XXXX and @ ) XXXX has been paid to settlement amount. 
LP still reports wrong amount of {$10000.00} still active, and reports XXXX, 120 days late. I have repeatedly filed dispute with XXXX and XXXX XXXX, but LP still reports wrong amount and late payments.
Consumer complaint received 2021-11-20
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: OLIPHANT FINANCIAL, LLC (MI)

I received notice that I am being sued for a debt with XXXX XXXX, closed in XXXX. I received a letter from their collection agency Oliphant Financial. I sent a letter disputing the debt dated XX/XX/XXXX. I NEVER received validation of this debt until I received the Summons from the court. I NEVER received ANY information regarding the original creditor from this company, NOR from the attorney 's. The collection agency and the Attorney 's XXXX XXXX XXXX, FAILED to follow the correct protocol before suing me for this debt with the XXXX XXXX.
Consumer complaint received 2022-05-23
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to 3 Credit Bureaus was XX/XX/XXXX, but no response was ever received from them to date.Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to update immediately : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$13000.00} XXXX  XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX
Consumer complaint received 2021-11-19
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: PENTAGON FEDERAL CREDIT UNION (CA)

Penfed advertises a XXXX auto loan rate for 60 months for new cars. The steps are you must use there auto buying service and buy a new car plus have good credit. I followed the steps they ran my credit and they offered me a XXXX rate at 72 months when I asked for 60 months. That rate is higher then advertised and higher what I was able to get at another bank of XXXX for 60 months. My credit score is XXXX with no late payments yet Penfed couldnt disclose why I dont qualify for XXXX rate. I believe they are bait and switching by offering a rate they dont actually have or plan to give.
Consumer complaint received 2015-08-13
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: The Law Office of Richard M Kitrick Esq. LLC (NY)

I 'm writing regarding to a lawyer named XXXX XXXX who sued me and took the money and misused the money and tried to collect the money again, and when I questioned him telling him I paid you in full why are you still billing me he responded every email you send to me I 'm gon na charge you.please help and stop this XXXX XXXX from stealing cheating and lying.
Consumer complaint received 2019-11-22
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: Navient Solutions, LLC. (TX)

HELLO, MY NAME IS XXXX XXXX AND I AM A VICTIM OF IDENTITY THEFT. SOMEONE OPENED UP A STUDENT LOAN IN MY NAME FROM SALLIE MAE, NAVIENT IS COLLECTING FOR THEM. I PRESENTED THEM WITH A NOTARIZED IDENTITY THEFT AFFIDAVIT, ID THEFT REPORT, ALSO A POLICE REPORT IN WHICH I HAVE INCLUDED ( THROUGH UPLOAD ). XXXX  HAS REFUSED TO CORRECT THE MISTAKE, WHICH IS HURTING ME FINANCIALLY. XXXX  AND XXXX  HAS ALREADY REMOVED THE FRAUDULENT ACCOUNT. I KNOW OTHERS THAT HAS HAD THE SAME PROBLEM WITH XXXX, UNQUALIFIED WORKERS ARE HARMING CONSUMERS CREDIT. I BELIEVE ITS A SCHEME, AND THEYRE DOING IT ON PURPOSE.

FCRA 605B EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION, A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT, NOT LATER THAN 4 BUSINESS DAYS AFTER THE DATE OF RECEIPT BY SUCH AGE

NCY.OF : 1. APPROPRIATE PROOF OF IDENTITY OF THE CONSUMER. 2. A COPY OF IDENTITY THEFT REPORT. 3. THE IDENTIFICATION OF SUCH INFORMATON BY THE CONSUMER, AND 4. A STATEMENT BY THE CONSUMER THAT THE INFORMATION IS NOT INFORMATION RELATING TO ANY TRANSACTION BY THE CONSUMER.
Consumer complaint received 2019-07-30
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: EQUIFAX, INC. (CA)

I am very concerned about the number of unauthorized inquiries that I found on my credit report. I do not understand how Equifax received this information but it is completely false! As a result of this, I can not apply for the things that I need to apply for because this information is ruining my credit.Delete it immediately XXXX
Consumer complaint received 2015-06-22
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BBVA FINANCIAL CORPORATION (MA)

I applied for a BBVA Compass XXXX XXXX XXXX credit card in late XXXX, but my account was placed a hold for unreasonable excuse ( due to bank incapability ) on XXXX XXXX, and I was just told it has been closed. During this time, it severely affected my normal life purchases and ruined my legal right to get cash back from sign-up bonus and bank promotion. Also, it will bring potential notes on my credit report, which would be intolerable. 
I hereby request compensation and a guarantee that nothing negative would appear on my credit report, thanks!
Consumer complaint received 2019-02-05
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (CA)

I took this private student loan back in XX/XX/2009, and have been repaying it since the loan started as a {$5000.00} student loan. After ten years of making payments, my principal balance is still {$3200.00}. I called the lender to negociate a lower rate but they refused. I was not clearly explained at the beginning while I was still in school that the minimum payments I was doing did not covered anything or almost anything on the principal. With all the payments I have done so far, I have paid well above the principal.
Consumer complaint received 2021-11-19
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 — Was not notified of investigation status or results
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

This company has infringed on my right to privacy, I have never given this company any right to have my personal information. This company was trying to collect on an alleged debt. This company reported unverified inaccurate information to the consumer reporting agencies, which has greatly harmed my ability to offer or extend my credit to other financial institutions. This is against federal laws. This account is not mine and was opened using my personal identification without my consent. When any furnisher of information is notified pursuant to the procedures set forth in XXXX XXXX that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section XXXX ( f ). Ive also never given this company permission to contact me which according to the FCRA is also against federal laws. I have asked numerous times for this company to stop furnishing false information to the CRAs and also for them to stop contacting me. Ive repeatedly asked for this to be removed through various methods.
Consumer complaint received 2021-11-19
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SN SERVICING CORPORATION (DC)

My mortgage servicer, SN Servicing Corporation, specifically its employee, XXXX XXXX, has intentionally and purposely obstructed and delayed my application for hardship relief due to COVID-19. On XX/XX/2021, I submitted a hardship application via email advising my mortgage servicer, SN Servicing Corporation, that I was temporarily unable to make my payments due to a delay in starting a new job. The submission was sent to asset manager, XXXX XXXX, who responded to me on XX/XX/2021 advising that the company would defer my XXXX  mortgage payment and requesting that I set up a payment plan for XXXX. On XX/XX/2021, I sent an email to XXXX XXXX asking for relief through XXXX. XXXX XXXX responded to my email on XX/XX/2021, stating that " the investor is not offering to defer nor forbear any payments, which is why neither is being offered. '' This statement was a complete contradiction to the XX/XX/2021 email, in which I was advised that the XXXX  payment would be deferred. On XX/XX/2021, I sent a reply to XXXX XXXX expressing my confusion and concern from this contradiction. On the same day, XXXX XXXX, an employee of SN Servicing Corporation, whom I've never met and only learned of upon submission of my hardship application, sent an email personally attacking me and completely failing to address the discrepancy of her statements or the issue overall. Due to XXXX XXXX failure to address the issue at hand, I remained unclear of whether I would be receiving a deferral or if the offer was rescinded. The same day, I sent an email re-explaining my confusion and asking for clarification, also informing XXXX XXXX that her email was out of line and unprofessional. Again, XXXX XXXX replied in an unprofessional manner, continuing to make my request a personal matter, making personal attacks and failing to give me clarity. She, again, failed to address the reason why I contacted her which was to seek relief until I began earning an income again. 

In my final email to XXXX XXXX on XX/XX/2021, I reiterated my point of confusion, pointing to the clear discrepancies of her statements. At this point, I realized that I would not be receiving clarity or a resolution as XXXX XXXX purposely sought to confuse and obstruct my request.
Consumer complaint received 2022-12-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (PA)

Experian and XXXX keeps stating information is verified as accurate. I want Experian and XXXX to send the Method of Verification, who did they verify Bankruptcy with, I want name of person spoken with, address, phone number, agency and where did they SPECIFICALLY get verification information according to the FCRA guidelines. They are not being truthful. Can they provide a statement of penalty of perjury they followed FCRA guidelines to verify information.
Consumer complaint received 2021-11-19
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. (AL)

I have requested copies of my receipts of payment from a original loan that was taken out with this company and paid off. They stated that they would do so and contact me back .The company could not provide me with this and got upset when I requested them after the branch manager promised them to me within three days. I called they did not have them and forwarded me to corporate. The local store stated that I refinanced a loan with them and I do not recall doing this. All the payments that were made they stated that they have receipt books in a storage and she do not have them after I was told by her she did .The balance on this account reflects more then what the original loan was by greater then XXXX %. Also I notice that they increased the balance today by XXXX $ when this is supposed to be a so called closed charge off per them later on 1-2 yrs later I have a new loan with them and a balance when I know I initially paid them off in full. and also I was not given my original contract or so called refinanced contract when I asked. Every month they are still reporting that I owe them as a open account and increasing the balance and placed this item on my credit report that I am requesting to be removed.
Consumer complaint received 2021-11-19
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. (AL)

I have requested copies of my receipts of payment from a original loan that was taken out with this company and paid off. They stated that they would do so and contact me back .The company could not provide me with this and got upset when I requested them after the branch manager promised them to me within XXXX days. I called they did not have them and forwarded me to corporate. The local store stated that I refinanced a loan with them and I do not recall doing this. All the payments that were made they stated that they have receipt books in a storage and she do not have them after I was told by her she did .The balance on this account reflects more then what the original loan was by greater then 60 %. Also I notice that they increased the balance today by XXXX XXXX when this is supposed to be a so called closed charge off per them later on XXXX  yrs later I have a new loan with them and a balance when I know I initially paid them off in full. and also I was not given my original contract or so called refinanced contract when I asked. Every month they are still reporting that I owe them as a open account and increasing the balance and placed this item on my credit report that I am requesting to be removed.