davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-26
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Avant Holding Company, Inc. (GA)

On XX/XX/XXXX I applied for a personal loan with AVANT for {$23000.00} and received the loan within the week. This loan was paid off on XX/XX/XXXX. 

On XX/XX/XXXX I again applied for a loan with AVANT but was denied and not given a reason for the denial. Was told that an email was sent, but I never received it and AVANT refused to resend it. Being that I did not understand the reason for the denial and was not given any follow-up info, I requested that an investigation be conducted because AVANT requested a document from me and before I was able to send it ... THEY DENIED THE LOAN. Was told to reapply in 30 days because there was nothing that they could do in the support office because the processing center had all of the info and they did not speak to customers. Nothing ever happened, upon continuous calls to AVANT, they pretended to have no info of me requesting and investigation and had no further info. 

On XX/XX/XXXX I again applied for a loan with AVANT and was again denied and told that there was no info as to why my loan was denied but I could reapply in 30 days. When I asked for info on the previous loan being denied or info on the investigation and was placed on hold for 20 minutes and no one ever returned to the call with info.
Consumer complaint received 2023-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

I am not attempting for the 4th time to have inaccurate accounts removed from my credit report. XXXX XXXX XXXX has not been in compliance as these companies have several inaccurate items on my report. I have requested that each of these companies validate that the debts are 100 % accurate and i " am willing to pay in full ''. Each time they have not been able to verify these accounts, i am also aware that they are inaccurate. For some reason, im getting notified that these companies need more time to investigate these claims, but it has now been 5 months and this is now becoming ridiculous. I would like the following included accounts removed from my credit file asap. This is my 4th attempt to resolve this matter through legal disputes but i am not getting anywhere. I will continue to take further actions until these inaccurate items are removed from my credit file. 

Regards, XXXX XXXX XX/XX/1981 XXXX ( SSN last 4 ) XXXX XXXX XXXX XXXX XXXX, Pa 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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.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 2021-01-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (NJ)

An online banking Service VENMO has received money on my behalf but will not release the money to me claiming the account was frozen due to suspicious activity, however the only activity I attempted was to retrieve the money. 

Continued contact with VENMO included their request for bank statement and drivers license which was supplied to them, but they still will not release the money sent to me. 

I am charging VENMO with THEFT
Consumer complaint received 2023-07-26
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CHARLES SCHWAB CORPORATION, THE (AZ)

XXXX took money from XXXX bank ( Charles Schwab checking account ) but didnt get any money. XXXX told me need took XXXX days, then without any solution but took away my another XXXX dollars, they know my XXXX level low, but do not give me any help
Consumer complaint received 2023-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2017-05-15
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: EQUIFAX, INC. (OH)

I purchased a car in   XXXX  . After purchasing my vehicle through  XXXX   XXXX , I see that ov er 25 inquiries  were processed on my credit report without my authorization. I contacted   XXXX   directly to inform them that these were unauthorized and they were in violation by allowing these to remain on my report without any proof that these were initiated by and for me. They sent me a letter back saying that they would not remove them. I am thoroughly disappointed that the credit bureaus are allowing things to be reported without any proper documentation or proof. I will attach all documentation for this matter as well as ALL unauthorized inquires on my report.     Thank You for your attention to this matter.
Consumer complaint received 2023-02-20
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)

I just received several emails stating that my consumer credit report has new alerts and that my credit file has changed for Experian, XXXX, and XXXX. Please see exhibits. All three of these credit reporting agencies have reported a chapter 7 bankruptcy to my credit reports which dropped my credit scores over XXXX points. I dont recall giving any written permission for this information to be included in any of my credit files. All three of these agencies have taken part in stealing my personal information from a third party ( XXXX XXXX ) and taking it upon themselves to place this erroneous information in my credit files and credit reports. According to the US Bankruptcy court here in Florida, they do not report bankruptcy information to credit reporting agencies. They only report this information to XXXX XXXX XXXX does not share or sell this information to third parties. ( see exhibit ). Therefore, these agencies are willingly taking part in identity theft to defame my character. Not only did they take part in defaming my character, they have caused me tremendous harm. I have been getting extreme anxiety from reading negative emails regarding the constant decrease of my credit scores, reporting unverifiable information from other creditors to my consumer report, and humiliation. I will not sit back and allow this to go on any further and I will take all action necessary to have this matter resolved immediately.
Consumer complaint received 2023-07-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (CA)

I sent a letter in the mail to this company Nationwide Credit Inc at XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX on XX/XX/2023 and XX/XX/2023 because I saw a collection account on my credit report from that they own. I explained that the collection account from them showed an original creditor as XXXX XXXX XXXX XXXX  and that I didn't recognize it so please send me information so I could try to verify it. I never heard back from them and this collection account is still causing damage my credit. I have worked very hard on my credit and am very upset that this error is still being shown and the company responsible for it won't respond to my request.
Consumer complaint received 2015-11-24
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A. (GA)

There 's a problem with my loan. I am not behind in my payments but I may have to rescind the loan. I acquired the property in XXXX with an FHA mortgage. XXXX XXXX XXXX was then the lender. In XXXX I did a refinance and Citimortgage became my new loan servicer. 
In XXXX I applied to Citimortgage for a Home Affordable Modification Plan. When the bank did not respond to my request, I filed an application with the XXXX for help in getting a mortgage modification. At this point, Citimortgage responded and agreed to work with me on a modification program. Although I was current in my payments, they set up a Forbearance Agreement that relieved me from making the regular monthly payments for three months. I realized that they were putting me in danger of foreclosure but I went along with the program since I was on a fixed, low income and needed to reduce my monthly expenses. 
During the forbearance period, I applied to XXXX for a mortgage forensic audit to be done through the Consumer Mortgage XXXX XXXX. The auditor found XXXX serious violations in the loan documents. I called several real estate lawyers hoping to find someone who could help me investigate the errors, but none of the lawyers wanted to address my inquiries regarding the violations. 
Citimortgage did follow through with the loan modification and my monthly payments were lowered. However, I was upset that they put me back to a 30 year mortgage knowing that I was age XXXX at the time. Now I 'm looking to put my estate in order and I 'm concerned that my heirs may have problems taking over the property when I pass on. So I logged on to the XXXX web site to see what I could find. I entered my FHA Case Number as listed on the copy of the Security Deed from my current lender. When I clicked Submit, the following message came up : " No MINs can be located that match the search criteria entered. Verify the search criteria and resubmit. If you need assistance to make sure your search criteria are valid, use the link to see Help. " Under the Help link I entered my home address. Then an MIN number came up that was XXXX digit off from the number on my copy of the Security Deed, so that the MIN number on the document is incorrect. With all these violations and discrepancies, I 'm very concerned that my property may not pass on to my heirs after I die. 
I 'd like to know : Who owns the title to my home? 
Into whose account are my monthly payments going? 
What do the violations mean that were found on the forensic audit and how do they affect my loan? 
Will I get clear title when the loan is paid? 
I did not contact Citimortgage regarding these matters because I doubt that they would act fairly on my behalf. I would like someone from the CFPB to investigate and find out what my options are at this point. 

Thank you. 
I look forward to hearing from you.
Consumer complaint received 2023-02-22
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NY)

On ( XX/XX//2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-02-17
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: Experian Information Solutions Inc. (MI)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MI XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I recently reviewed my credit report and noticed an account that was not reporting accurately I had XXXX late payments on an account that I always paid on time. with XXXX XXXX credit card Upon conversation with customer service. They could not provide me with any substantial reason for that report. As seen on the attached document I have bot missed any payment since XXXX aside the false aligation. This customer agency needs to report with complete accuracy. I am requesting you investigate and provide variable proof with records showing that I had a late payment If this information can not be provided I demand this these late payments updated to be paid on time immediately. Thank you for your understanding and prompt action. Attached is a copy of my report ( XX/XX/XXXX ) Thank you for your understanding.
Consumer complaint received 2024-02-01
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. (NJ)

Transunion didnt read the information properly from a typed letter dispute. From that, instead of Transunion investigating the original inquiry they completely ignored the item I wanted to dispute and disputed & removed a positive and open credit line. Simply because the first few numbers of the account were similar. They admitted that the system must have scanned the letter and assumed it had the correct account. Instead of fixing the error that Transunion caused they refused to investigate properly and claim that they can not do anything to help me, even though they admitted the error was theirs They blame me and want the original creditor to fix their error
Consumer complaint received 2017-04-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (NC)

I submitted a dispute with Experian on or around XX/XX/2017. An item that i dispute, as the account is not mine, came back as updated. I contacted Experian twice on XX/XX/2017 and asked how the items were verified. I was advised by the 1st customer service rep XXXX that Experian is not required to provide any verification to me. I asked for a supervisor and was informed that a supervisor was not available. I gave XXXX my number and he advised that a supervisor would call me within 24-72 hours. I feel that this is unacceptable timeframe for a return call. I called back 3 hours later and spoke to 2nd customer service rep, XXXX. XXXX stated that if the account came back as verified then I would need to reach out to the creditor as Experian is merely the middle man. She stated that they only report the dispute to the creditor and that they are not responsible for any verification of alleged debts.She said that the disputes were electronically submitted to the creditor and that they received an electronic response stating that the account belongs to me.I was told that they do not have any documents, only electronic files. I requested proof of verification. I was informed that the only information that they could provide to me was that the account was verified and referred me to the creditor. 
I would like to know where are the documents that were used to verify these accounts? What is the name of the person in the company who verified and authenticated these accounts? What documents did they use to verify them? Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. The Courts have also ordered that a " Reinvestigation '' that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations imposed by 1681 ( a ) ( 4 ).
Consumer complaint received 2017-05-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Meridian Financial Services, Inc. (CA)

Meridian Financial Services con tinues to put a collection account on my credit report. I have been successful in having the collection account removed, however this is th e 5th time they have erroneously reported this information on my credit report. I have spoke   to the collection agency and explained to them that this debt was acquired by my dad who passed away in  XXXX   XXXX . The collection agency also knows this is not my debt because my dad purchased this timeshare in  XXXX  and I was only  XXXX   yea  rs old.  Also my name is  XXXX   XXXX   XXXX  and my fathers name is  XXXX   XXXX   XXXX . My SSN starts with  XXXX  and my dad 's SSN starts with  XXXX . I do not think this a case of mistaken identity, I think this is a case to harass me about a debt they can not collect from my father because he passed away.
Consumer complaint received 2023-07-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting Act the following accounts : XXXX XXXX Account XXXX XXXX XXXX XXXXXXXX XXXX Account # XXXX XXXX XXXX, Account # XXXX, XXXX XXXX XXXX- Account # XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX-Account # XXXX XXXX-Account # XXXX XXXX XXXX XXXX XXXX -Account # XXXX XXXX XXXX XXXX-Account # XXXX XXXX XXXXXXXX XXXX-Account # XXXX has violated my rights as a consumer. 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 an account without my written instructions 15 U.S. Code 1681s2 : 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. 
No consent was given.
Consumer complaint received 2021-01-27
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: N.A.R., Inc. (CA)

XX/XX/XXXX, XXXX XXXX XXXX from North American Recovery was contacted. First of all, she was rude, but I guess that is expected. She stated the amount owed was XXXX. XXXX also stated there is no interest being charged to the account. Which is great, however, the ending balance for this account was XXXX. There also seems to be interest added of XXXX. I told her that we have not gotten any correspondence since 2016. She said that is not a problem that she can send us the new information via mail or email. I asked for both. I never got an email from her and I am still waiting on the information in the mail. 

XX/XX/XXXX, XXXX XXXX from North American Recovery was contacted. She was also rude. She also stated that a settlement can not be reached due to company policy. I asked her about why we are getting interest of XXXX when no interest is being charged on the account? She could not give me a straight answer. I asked to speak to a supervisor. She said that is not a problem. At XXXX she asked if we can hold for a supervisor? I of course said yes. I waited on the phone until XXXX with no resolution, and I was not able to talk to a supervisor.
Consumer complaint received 2017-05-15
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. (FL)

Experian continues to verify incorrect information on report. The account in question shows account type as " open account '' yet account stats as " closed '' the balance is incorrect as well. It shows an original balance of   XXXX   but a past due balance  XXXX  I have disputed this twice and yet they continue to report erroneous and incorrect information.
Consumer complaint received 2017-05-15
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Nelnet, Inc. (WA)

similar to previous complaint  XXXX  on NELNET.COM - TERRIBLE I continue to get emails asking for sum total of {$1700.00} in emails, i login to Nelnet to double-check the amount due, which is consistent with emails {$1700.00}.     BUT - when the day comes to pay (  XXXX  of month, as stated online and in emails ) ... THEN the amount due changes by several hundred dollars.     i 'm sick and tired of being stressed out about this ; set the monthly payment @ {$1700.00} and stop fluctuating!!!!!   - XXXX
Consumer complaint received 2021-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I am very upset with this issue. I sent a letter to the credit bureau on XX/XX/2021 regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.
Consumer complaint received 2017-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (PA)

I have  a Walmart  i card Account ending in  XXXX  for 1 year now and payments have always been on time, yet they continually lower my credit availability ... based other Synchrony accounts that were fraudulent and reported as such i want my credit avail increased fairly, and reinstated to the  XXXX  i once had.