davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Premier Student Loan Center (WA)

I started business with Premier Student Loans Im XX/XX/2017. At this point I have put in at least XXXX towards my student loans through Premier. Then it turn out they are being sued for unethical business practices. I reported the payment I made to them to my bank, but my bank was only willing to help me with three of them ... and they may take that money back from me anyway. I want my money back. I owe over XXXX for school loans. In the meantime, my loan amounts seem to be going up. At one point, my student loan withdrawals from a Premier showed on my checking account statement as another company NOT Premier. I was told by a representative that it was okay and was normal because the company works with different businesses? This year I finish my XXXX XXXX this year and will need to start paying ASAP. Yesterday, Premier attempted to debit from my checking account twice!  And it was for amounts that I have never paid before ( XXXX dollars twice ).  I want my money back so I can actually give this money to the Department of Education for my loans. and of course all of this is happening during the holidays. I am completely disheartened.
Consumer complaint received 2019-12-11
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: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

Portfolio Recovery is reporting to XXXX and XXXX  incorrect and inaccurate information about my original account. They have not fixed it despite my disputes. Portfolio is sending a letter to agencies from the debt they bought from XXXX. It became delinquent with the original creditor XXXX XXXX XXXX XXXX  in XX/XX/XXXX-XX/XX/XXXX. In XXXX, it was acquired/rolled over to XXXX. They are reporting the XXXX as date of delinquency and it is INCORRECT and they will not send original creditor information. And the agencies still report it that way. I have requested the original creditor dates from Portfolio and they send something from XXXX in XXXX. It is deceptive and wrong! Reporting agencies are falling for this XXXX! This has been haunting me for so long!
Consumer complaint received 2019-07-15
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: Experian Information Solutions Inc. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THESE INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Consumer complaint received 2019-12-11
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Onity Group Inc. (NE)

Received loan modification on home loan in XXXX. Applied for heloc loan in XXXX. Title search by XXXX XXXX XXXX XXXX. XXXX. XXXX . Showed no second lien in XXXX, but in XXXX showed second lien from XXXX. XXXX XXXX XXXX said sorry we missed it in XXXX. Is my loan modification legal? It was a federal loan program. Second lien is from XXXX which sold loan to Ocwen which sold loan to XXXX which sold loan to PHH mortgage. Thought XXXX loan was part of my bankruptcy settlement. Obviously it wasn't. Tried to negotiate settlement with Ocwen in XXXX after paying many thousands of dollars, as they suggested and I submitted a 50 % payoff. They called that night and refused to negotiate and said they were going to add interest and penalties of almost half the loan amount. Now PHH mortgage says I owe much more than I borrowed. Would have let House go in XXXX if they would have said anything about second lien. Now I spent more money on improvements. Not sure what to do?
Consumer complaint received 2019-12-11
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (MA)

I'm facing  foreclosure with PHH on XX/XX/XXXX.   We submitted a full short sale package on XX/XX/XXXX, which was 36 days prior to the date of my foreclosure.  I am a XXXX year old woman who has faced serious struggles with my property. I attempted a modification in XX/XX/XXXX, and was denied because my insurance company would not assist in fixing pipe damage my property.  I struggled to maintain the home and the mortgage and could not keep up at my age.We called in on XX/XX/XXXX and confirmed the package was received, and the only thing that was an issue was an illegible HUD.  We are kindly requesting that you take this ONE day in to your consideration.  I have struggled enough and do not want to face having my home auctioned from underneath me as well, especially at this time of year in the cold weather.Please allow a postponement in order to do a full short sale review.  If you order a valuation my Realtor can get you access immediately.  Please consider this.  If there is anything you can do to help I would greatly appreciate it.
Consumer complaint received 2023-02-25
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. (CA)

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update or get rid of the following accounts from my file XXXX XXXX XXXX XXXX XXXX Balance : {$11000.00} ; XXXX XXXX Balance : {$6600.00} ; XXXX XXXXXXXX XXXX Balance : {$2300.00} ; XXXX XXXX XXXX XXXX  XXXX Balance : {$19000.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$58000.00} ; XXXX XXXX XXXX Balance : {$15000.00} ; XXXX XXXX XXXX Balance : {$5500.00} ; XXXX XXXX XXXX Balance : {$5800.00} ; XXXX XXXX  XXXX XXXX Balance : {$11000.00}.
Consumer complaint received 2023-02-25
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. (AR)

When I investigated my credit report, I realized that some of the information was erroneous. One particular account is misleading and incorrect, it must be verified immediately to prevent further harm to my credit file. The 3 credit bureaus are required to authenticate this account : XXXX XXXX XXXX Balance : {$180.00}
Consumer complaint received 2019-12-11
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. (LA)

This item has been reporting on my credit and i have tried to dispute it directly with the company, but i have not been success.The following accounts are not mines and to my best of knowledge i am a victim of identity thief.

XXXX XXXX XXXX XXXX XXXX

$XXXX XXXX  BANKRUPTCY COURT

Docket #: XXXX  

BANKRUPTCY COURT

Docket #: XXXX

BANKRUPTCY COURT

Docket #: XXXX
Consumer complaint received 2019-12-11
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION (CT)

Monday, XX/XX/XXXX, I was the victim of a theft crime to my Peoples United Bank Checking Account.  I received a text message from the bank asking if I authorized two separate payments, $XXXX and $XXXX   and respond yes or no.  Of course I responded no.  Immediately following, my cell phone rang with Peoples United Fraud specialist with the same Peoples Phone Number on their website #XXXX   at the same time I was calling Peoples United  Bank to verify.  The Peoples phone call that I made had a 23 minute wait to speak with a representative & since I thought I was speaking to one of their fraud specialists, I did not hold the line & took the call.  During the 20 minute call, I requested verification from them & they provided a 5 digit # to give to an automated Peoples fraud phone call and immediately a call came in with the fraud dept. # of XXXX and I gave the #; I requested 2 additional verifications and received both.  They indicated that they secured my account and I would receive a confirmation email.  I did not get the email & immediately called the Peoples United Bank another 25 minutes to speak to a representative, gave them my call back #, waited for a call back & was transferred to their fraud department another 25 minutes on hold to speak to a representative who indicated it was FRAUD.  At that time, they instructed that I log onto my account which I did and without my permission, the $XXXX + $XXXX transactions were made to my account.  I filed a complaint, provided numerous documents including my cell phone records and they denied my claim.  I am requesting an investigation as their fraud department indicated the bank is denying "all of these types of claims" and will not make me whole with the $XXXX that was stolen from my account.  Thank you.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

Subject : Formal Request for Investigation and Correction of Inaccurate Personal Information on Credit Report Dear Consumer Financial Protection Bureau, I trust this letter finds you well. My name is XXXX, and I am reaching out to seek your assistance in addressing a concerning matter regarding inaccurate personal information on my credit report, which is adversely affecting my creditworthiness.

The specific issues are in violation of the following consumer protection laws : Fair Credit Reporting Act ( FCRA ) - Section 1681i : As per FCRA Section 1681i, consumers have the right to dispute and correct inaccurate information on their credit reports. I have identified inaccuracies in my personal information, specifically incorrect names, phone numbers, and addresses, which are negatively impacting the accuracy of my credit report.

Fair Credit Reporting Act ( FCRA ) - Section 1681e : FCRA Section 1681e mandates consumer reporting agencies to follow reasonable procedures to ensure the maximum possible accuracy of the information provided in consumer reports. The inaccuracies in my personal information demonstrate a failure in these reasonable procedures.

I kindly request the Consumer Financial Protection Bureau 's intervention to thoroughly investigate this matter and ensure the prompt correction of the inaccurate personal information on my credit report. Enclosed with this letter, please find supporting documentation highlighting the discrepancies in my personal information.

Your prompt attention to this matter is crucial in maintaining the accuracy and fairness of my credit report. I appreciate your dedication to upholding consumer rights and fair credit reporting practices.

Thank you for your assistance. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-02-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I XXXX XXXX Im writing in regards to complaint About XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX services bank, XXXXXXXX XXXX XXXX XXXX inquiry that was not filed by me
Consumer complaint received 2019-12-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (MI)

The account was a secured credit card for $XXXX but they are charging me $XXXX and reporting 21 charge offs to the credit reporting agencies. I have tried to contact them but they sent me a letter telling me to stop contacting them via phone or mail. Now I received a letter from a collection agency named XXXX.
Consumer complaint received 2023-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

This is so annoying & frustrating. Ive sent EXPERIAN multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In Experians responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. 

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency.

Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and XXXX XXXX XXXX that has been DAMAGE. List of items that are UNKNOWN to me : XXXX XXXX  XXXX XXXX Date Opened XX/XX/XXXX Balance {$4400.00}, XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$970.00}, XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$730.00}, XXXX XXXX Date Opened XX/XX/XXXX Balance {$750.00}, XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$2300.00}.
Consumer complaint received 2023-02-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

In accordance with the Fair Credit Reporting act. 
The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account Name : XXXX XXXX XXXX. Account number : XXXX - Account name : XXXX XXXX . -Account number : XXXX. Account Name : XXXX XXXX XXXX. Account number : XXXX. Account Name XXXX XXXX XXXX. Account Name : XXXX. Account Name : XXXX XXXX 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 15 U.S.C. 1681 c. ( 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 2024-02-21
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 insist on the removal of this late payment from my account, as it inaccurately portrays my payment history. I have consistently adhered to making timely payments, and it is unjust to be burdened with this erroneous entry. I urge you to take immediate action to update my account accordingly.
Consumer complaint received 2022-12-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Transunions website has said their credit freeze service is unavailable for months. I have to call to get a freeze lifted and it only works maybe 10 % of the time. After spending an hour trying to get a freeze lifted, credit card companies deny my application stating I have transunion frozen.
Consumer complaint received 2023-02-25
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. (AR)

Im submitting a complaint to you today to inform you I was the victim of identity theft. 
Please block the items in my credit report that resulted in identity theft. These items are erroneous and must be deleted : XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX Balance : {$3000.00} XXXX XXXX Balance : {$1400.00XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$330.00} XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$260.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to XXXX XXXX XXXX XXXX XXXX if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2023-12-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or list of inquiries 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 2019-12-11
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (FL)

I bought a fence through Lowe’s credit card and the man explained he won’t have interest for two years but he didn’t explain that after two years they tacked on two years worth of interest. I’ve always paid it on time every month till one day I checked my account and it went from XXXX to XXXX I tried to negotiate with them about a payment plan and they’re charging me $XXXX in interest a month when I could only afford $XXXX payment. I’ve talk to manager upon manager and I just don’t know what to do at this point I feel like they are robbing me and miss treating me. Now I got a letter about a lawsuit. Lowes credit card is through synchrony bank
Consumer complaint received 2023-02-25
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. (MI)

They did not change the incorrect information. My loan from XXXX was changed to XXXX. I was not informed of status during covid-19. it showed 120 days past due. The loan was consolidated and paid off and transferred to a new servicer. The late payments were not removed even though they are not my servicer. I am current on XXXX but it does not reflect on my credit report
Consumer complaint received 2019-12-11
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)

THE DISPUTED ACCOUNTS HAVE BEEN CAUSING TREMENDOUS DAMAGE TO MY CREDIT, I WOULD LIKE FOR THOSE ACCOUNTS TO BE RMEOVED FOR THEY HAVE BEEN TARNISHING MY NAME. BECAUSE OF THOSE ACCOUNTS IT HAS PREVENTED ME FROM ACQUIRING NEW CREDIT. THOSE ACCOUNTS ARE NOT LIABLE TO ME AND I WOULD LIKE THOSE TO BE RMEOVED IMMEDIATELY OFF MY REPORT.