davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-25
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. (FL)

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  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 2020-08-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BARCLAYS BANK DELAWARE (NY)

since your credit bureau has not been able to work directly with the creditor to solve this issue, I am now requesting that you personally verify this account that you are reporting.

Section 609 of the FCRA requires that you, upon request, verify any accounts that you are reporting. And I am talking physical verification. I want a copy of the original signed contract. You can not legally report an account that you can not verify. 

I am asking that you send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below and if you can not I expect these accounts to be removed from my file immediately. 

I want to see the original contract with MY signature on it. I do not want a computer printout. If it does not have my signature, its not valid. 

Your failure to properly verify these accounts has put me in a bind and stopped me from obtain a line of credit.
Consumer complaint received 2022-11-02
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

I filed a complaint # XXXX, which has been closed. 
I received ( 3 ) three-month forbearances due to Covid & I thought my bank had NOT extended the maturity date of my loan, but they did. I was wrong. 
That fact made me realize that the payoff amount the bank says I owe is incorrect ( too high. ) On XXXX I requested an amortization showing all of my payments & how they were applied & I've received it. The maturity was extended by 11 months. 
My loan started in XXXX ; it was for {$25000.00} for 15 years ( XXXX payments ) at 7.6 %. My original documents say my total payments would equal {$41000.00}. The amortization shows I've made XXXX payments which I calculate totals {$41000.00}. 
The amortization shows the XXXX forbearances & XXXX skipped payments ( which I was allowed to do for a {$35.00} charge ) XXXX in XXXX & XXXX in XXXX. 
My bank says I owe {$2000.00}. 
I produced an amortization on an online calculator that allows skipped payments & the amount it says I owe is significantly less ( I actually set it up to start in XXXX & end in XXXX & skipped the same months. ) There are entries on amortization from XXXX I question. XXXX XXXX XXXX {$1700.00} & XXXX XXXX XXXX {$1500.00}. 
I tried to call to discuss this yesterday, XXXX. I talked to XXXX different people in various departments. None of them could help me. I tried to call individual with office of chairman, but could not connect. 
I faxed paperwork for modification due to hardship on XXXX & have heard nothing.
Consumer complaint received 2022-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (NY)

Good day. 

I called Navient and spoke to them and expressed my financial struggle. I also explained to them that I am going to apply for the Biden forgiveness loan. She explained to me that she didnt have information on that and I could call back for more information. I spoke to them a second time prior to credit reporting, and I am sure the call is recorded and I was not informed as a matter of fact misguided and misrepresented with the information. Now I am showing 90 days past due on all my student loan information without a true representation of my conversation with them.
Consumer complaint received 2024-04-15
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (AZ)

The Apartments that Evicted me originally filled for {$6900.00} & I had to call & let them know that was incorrect. 

I have another Tenant Ledger from the apartments saying I owe {$3600.00}. 

I have on the court records that I only owe {$2900.00} I have submitted this information to the debt collectors as well & I also informed them no where in my lease that I signed did I give permission for my information to be sold to them & they said its written into my lease & neither the apartment or debt collector have sent me this information that I have asked for. The Debt collectors also mentioned that XXXX XXXX XXXX XXXX XXXX  & GENESIS CREDIT MANAGEMENT work together but XXXX XXXX XXXX XXXX  told me they sold my information over & that I dont pay them
Consumer complaint received 2024-04-15
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (CA)

I have tried to use the prepaid gift card at many locations for much less than the remaining balance and all have been declined by AMEX - online and in-person. I have tried to use at least on 10 occasions with no success.
Consumer complaint received 2022-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (OH)

In accordance with the Fair Credit Reporting act. The list of accounts has violated my federally protected consumer privacy and confidentiality under XXXX XXXX XXXX. Account Name : XXXX XXXX XXXX XXXX Account # XXXX Account Name XXXX Account # XXXX Account Name XXXX Account # XXXX 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. 15 U.S.C 1681 A ( I ) states a report should only contain information solely as to transactions or experiences between the consumer and the person making the report 15 U.S.C 1666 ( b ) ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. Theses companies and accounts have been going against my rights and violation as a consumer this is unconstitutional. I have rights and THD/CBNA has violated them all they sold my information to a third party service XXXX XXXX XXXX XXXX without consent and I am being harassed and denied by banks and extension of credit for a debt I do not owe or have been proven I owe I also understand if a company is reporting a charged off account to your credit report a 1099-C must be flied I haven't received any tax returns from this company I am asking that theses accounts be reinvestigated and deleted off of my credit report immediately. I do Not owe theses debts and I am requesting a cease and desist immediately.
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: OLD NATIONAL BANCORP (NV)

Old National Bank is refusing to remove incorrect information from my XXXX report. I have never done business with this entity. I have tried several times asking them to remove the negative info from my report and they are refusing. The information they are reporting is causing my personal XXXX  I am not able to open a bank account anymore. I have never done business with this entity. Somehow they have acquired my information and are reporting negative and derogatory information on my report. This information is ruining my report and my banking relationships. I have not been able to establish a new checking account because this information is stopping the process. I have tried disputing this information in the past and they keep denying it. Please help me get this inaccurate information removed from my report.
Consumer complaint received 2022-11-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (PA)

Why an accident I provided the employer the wrong account and tracking information when I noticed the issue I tried to correct it with the bank the bank said its been too long its nothing that they can do basically theyre trying to keep my money which is {$550.00}
Consumer complaint received 2022-11-02
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

I entered an agreement last year with portfolio. The amount paid ach month is {$32.00}. I recently made my payment on XX/XX/XXXX in the amount of {$32.00}. The balance at this time should be {$2700.00}. The amount of {$32.00} paid and taken amount of my bank account was not credited to the account. The balance is still showing the amount of {$2700.00}. Where is the amount that I paid of {$32.00}??? I contacted the customer support line and was told that I made 12 payments but no reference to the amount of {$32.00}. TH rep then proceeded to cancel my agreement. I did not ask for the agreement to b canceled. I want to know where did that money go and why was it not credited to my account. This is extremely frustrating and disturbing. This is causing me extreme stress since I have been paying this debt collector in good faith and now this. I have had numerous issues before with this company. Please help me. 

Status : No pending payment or plan Your payment plan for this account was cancelled on XX/XX/XXXX Account Number : XXXX Account Balance : {$2700.00} Seller : XXXX XXXX  Merchant : XXXX XXXX XXXX Whom Debt is Owed : XXXX XXXX XXXX XXXX XXXX  Acquired On : XX/XX/XXXX Original Creditor : XXXX XXXX Account Open Date : XX/XX/XXXX Last Payment : {$32.00} on XX/XX/XXXX Original Account Number : **** Charge-Off Creditor : XXXX XXXX
Consumer complaint received 2023-05-25
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. (NY)

I have tried to dispute this matter directly with the all 3 measure reporting agencies, all of them have denied to remove correct or adjust to several derogatory items that is enabling me from making any credit purchase.
Consumer complaint received 2020-08-17
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)

Personal statement : checking my credit for a store card application I realize that there were accounts in my credit that are not mine. These accounts were opened without my knowledge, also back in XX/XX/2020 my debit card and my XXXX XXXXXXXX credit car account were clone and illegal charges were placed in these accounts, I called the banks and XXXX XXXX. They proceeded to cancel these cards numbers an reissued new cards. Please note these for future issues, Thank you.
Consumer complaint received 2022-05-25
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: LendingPoint Holdings LLC (WI)

My loan was for {$2000.00} starting in XX/XX/2022, I have made payments in the amount of {$1800.00} and {$200.00} which should pay off the loan. But they are still asking for more payments. Their contract also stated they would refund me the interest if the loan was paid in full ahead of schedule.
Consumer complaint received 2020-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CO)

Experian leaked personally financial information in XXXX, at their advice I placed a freeze on my credit information. Now, there isn't anyway to unfreeze the data so that I can refinance a mortgage. Despite providing them with PIN they provide I can not unlock my information. I have provided extremely personal financial information via the US Mail at their direction in XX/XX/XXXX, but can not get a response of any kind from them. There is no way to contact and reach a live representative to discuss the issue as they only offer online services that say to mail the information or phone responses that say to mail the information. They are actually costing me tens of thousands of dollars from changing finance rates. At this point, it appears the only way to reach a live human being is to pay up for their XXXX XXXX program, which appears to be a violation of the settlement agreement for the data hack in XXXX and the Fair Credit Reporting Act.
Consumer complaint received 2020-08-17
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 HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.
Consumer complaint received 2020-06-17
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: CREDIT ACCEPTANCE CORPORATION (NY)

Car loan was taken out in XXXX the car was a lemon and the loan repoed in XXXX and i have paid the reaming balance off but they will not update my credit report
Consumer complaint received 2022-12-30
Product: Credit card or prepaid 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 (CA)

Three charges were made on my account amounting up to {$270.00}. I called and reported them fraudulent and they were taken off my balance a few days later but the credit still has yet to appear. They told me an investigation is on going but it has been about a month now since and I have not recieved ANY communication about it. Everytime I call I get told they either have no information on it or can't tell me anything about it. It is like they are avoiding dealing with it and providing the credit back to me. They were already taken of my balance but they are holding the credit hostage for over a month with no communication.
Consumer complaint received 2020-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem with product or service terms changing
Company: EQUIFAX, INC. (MN)

Try number 2 ( initial complaint not resolved by Equifax ) Equifax will not let us manage our credit freeze either via website they provided ( received the following error message : https : //my.equifax.com/membercenter/ # /login/error/mc-general-no-specified-error ) or via phone. They have provided no assistance in justifying refusing to allow us to monitor our credit freeze via web or phone - or in attempting to resolve the issue. As it stands, we can not effectively manage our credit with Equifax. To make matters worse, they removed a credit freeze we put in place WITHOUT our consent.
Consumer complaint received 2020-08-17
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: Experian Information Solutions Inc. (AZ)

I currently have a legal team working with me to improve my credit standing. XXXX XXXX XXXX has placed negative, uncharacteristic remarks on my credit reports which is affecting my financial goals. The XXXX XXXX Account is on a regular payment plan and pursuance of this credit card debt is being handled by local law office here in AZ. The payments to clear this outstanding debt are consistent and in good standing. My team of paralegals have sent an escalation regarding negative reporting to the bureaus and I received a letter on XX/XX/2020 from XXXX XXXX XXXX XXXX XXXX XXXX stating they will not investigate the dispute as it is frivolous and irrelevant. There clearly is no integrity involved and this company will dismiss your right to dispute the information on the credit reports.
Consumer complaint received 2020-08-17
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)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.
Consumer complaint received 2022-11-02
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: REGIONS FINANCIAL CORPORATION (CA)

The Contractor, XXXX XXXX + XXXX XXXX, XXXX. XXXX did not complete the solar installation as agreed per the 'Installation Agreement ' attached. Financing was arranged and obtained by XXXX, XXXX XXXX, through " XXXX XXXX '', copies of XXXX XXXX ; however, the documents were removed from XXXX and we have no paperwork from XXXX XXXX, we could not discover XXXX XXXX  in the NMLS. We were delivered a Pronmissary Mortgage Note from " ENERBANK '', again not discoverable in NMLS. In a text conversation with XXXX XXXX SMS with the bank, we stated " DO NOT PAY '' ( XXXX ), since the work is substandard and rejected for the XXXX XXXX XXXX XXXX XXXX contractor 's final permit, herein attached.
Consumer complaint received 2022-12-30
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. (GA)

I XXXX XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2022-11-02
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: TOYOTA MOTOR CREDIT CORPORATION (SC)

I have made multiple attempts to reach out to Toyota Financial at ( XXXX ) XXXX to retrieve my refund of {$740.00} as indicated in my letter dated XX/XX/2022. At no time was a refund check issued to me for {$740.00}. Upon speaking with the representatives on multiple occasions, there was unfortunately no resolution. I would like to cite the XXXX act in regard the aforementioned issue. A notice providing reimbursement in regard to a coverage that was purchased was sent indicating there was a refund to be issued, but unfortunately no refund was issued. There was a claim that this refund was issued, but the individual on the phone was unable to identify anything specific and indicated they were reviewing with a department, but only kept me on hold for an indefinite amount of time ( on each call ).
Consumer complaint received 2020-08-17
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PLANET HOME LENDING, LLC (GA)

Starting on XX/XX/XXXX I started making Principal only Payments to date {$33000.00} in Principal Only payments, every single payment I write them and need to tell them that the payments have been set-up to be Principal only as I have been making extra payments for a while and they had me paid through XX/XX/XXXX as of XX/XX/XXXX. Yet every time they treat it like a regular payment they now have me paid through XX/XX/XXXX, even when I changed from making {$500.00} principal only to {$1000.00} principal only which they treat like 2 regular payments. I have written numerous times on this and don't feel I should have to on every one, I make payments through my bank and have the account # labeled with the number and Principal Only