davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-07
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. (NV)

in accordance with the Fair Credit Reporting act XXXX Account # 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
Consumer complaint received 2022-07-07
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. (FL)

n accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX, # XXXX XXXX, # XXXX XXXX, # XXXX XXXX, # XXXX XXXX XXXX, # XXXX XXXX XXXX, # XXXX XXXX XXXX, # XXXX XXXX XXXX, # XXXX XXXX XXXX, # XXXX XXXX, 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 2022-07-07
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. (FL)

n accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX, # XXXX XXXX, # XXXX XXXX, # XXXX XXXX, # XXXX XXXX XXXX  # XXXX XXXX XXXX, # XXXX XXXX XXXX, # XXXX XXXX XXXX, # XXXX XXXX XXXX, # XXXX XXXX  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 2019-11-04
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: PRESTIGE FINANCIAL SERVICES INC (CA)

Prestige Financial Services Administration will not provide me a financial hardship assistance as my Dad passed away recently and need funeral expenses as he didn't have life insurance. 

I respectfully request Prestige to provide me a deferment and extension and Prestige Rep.Mr.XXXX XXXX stated that company can not extend my XXXX XXXX payments until XXXX XXXX. 
So l can make a total payment of {$840.00} on XXXX. 
Prestige stated by email that a 30 days late payment will be reported to XXXX, XXXX and XXXX credit report agencies to damage my credit as they have done already I am respectfully a requesting and not demanding I have filed many Federal government complaints against Prestige Financial Services. 
I will ask President Trump and Congress to support me on Prestige issues. 
I am respectfully XXXX XXXX, Retired and a US XXXX XXXX Military Veteran. 
Prestige makes billions of dollars and they can not support our Military Veterans and all Citizens in the Community on family death emergencies? 
As far extending payments. 
Now, Prestige will destroy my credit by reporting 30 days late to credit bureaus. 
Urgent matters!
Consumer complaint received 2022-12-16
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. (LA)

Per FCRA 15 USC 1681 604 A no consumer reporting agency shall furnish any information relating to any consumer if the person knows or has reasonable cause to believe the information is inacurate.

15 USC 1681 604 a 2 has also been violated. I have disputed sevral times with these companies, and they have reported the infoemtion is accurate but have failed to provide accuracy. I have attatched a copy of my consumer file. Please remove this inaccurate information. I am also another victim of a data breach. i have attatched my record.
Consumer complaint received 2021-03-10
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. (CA)

On XX/XX/XXXX I submitted a dispute letter disputing that XXXX XXXX XXXX is a reporting a collection account which have surpassed the statue of limitations and thus should be removed, however on XX/XX/XXXX my credit report was updated to reflect that this account will remain on my credit report. 

According to Cal. Civ. Proc. Code 312 et. seq. this account has passed the four years Statutes of Limitations to collect such debt, thus should be removed. 

I've attached documentation to demonstrate that the last payment received was prior to XXXX. The attached court documents state " On or about XX/XX/XXXX Defendant failed to make installment payment due and payable under the Exhibit " A '' Contract. '' Please refer to the highlighted/underlined sections on page 4.
Consumer complaint received 2024-04-06
Product: Credit 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: CITIBANK, N.A. (CO)

I am an XXXX  victim of Identity theft. On XX/XX/23 Citibank card services call center told me all my contact information on the credit card account had been changed and that transactions of {$48000.00} had been put on the card. I confirmed what my contact info should be with the call center and they said my account had been taken over. I reported I made none of the transactions on the card, that they were fraud and the balance should be {$0.00}. She closed the card, ordered a new one and said she would forward our complaint to their fraud department.Their fraud department denied my dispute saying the transactions were made to a 'valid ' XXXX XXXX  XXXX credit card in my name. However, that card was also taken over by fraudsters and was not valid. We explained this to Citi who persists in this explanation. Citi will not explain how they are determining the XXXX XXXX XXXX card is valid. Citi never addresses the fact that their own call center noted the contact information changes and that the Citi account was an account takeover. No matter who they paid because it was taken over, they must acknowledge the transactions were not authorized by me. Further, the XXXX XXXX XXXXXXXX has sent them a letter stating the account they paid was taken over and had many fraudulent transactions on it at the time Citi paid them. XXXX XXXXXXXX XXXX has a check issued to Citi to return the {$44000.00} including check number which Citi has not credited back to my card. Citi is adding late fees, penalties and unauthorized transfer fees to the account, reporting it to the credit bureaus, severely harming my credit score. I ask the Citi card be credited back to the {$0.00} balance it had before the fraud and restore our credit bureau data.
Consumer complaint received 2022-09-26
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. (MI)

I sent my letters of in XXXX 15,2022 my Tracking numbers are for XXXX XXXX, XXXX XXXX XXXX and XXXX523b0cc17a308b007f3c Told the credit bureaus to " investigate every piece of information and I would like to forge forward with a righted disputation challenging what likely is an inaccurate, untrue, incomplete, untimely, not compliant, and or possibly not even of my ownership of responsibility allegation of a derogatory item that I see you currently have on my credit report, possibly causing violating infringements and injury to my credibility. While studying my report I have come across a number of mistakes and inaccuracies that you are reporting. Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, XXXX XXXX Format compliant, or else wise compliant to every single one even each any and all of the regulations, applicable laws, and or applicable standards of reporting of which you are undoubtedly mandated in your reporting obligation ( s ) to obey without default or deficiency of any sort. The following challenged information is among such allegations of which each and one all require immediate deletion or REMOVAL FROM REPORTING otherwise. I DEMAND rightfully that you do so today, even now and here! Below listed is the currently reported not yet proven valid nor demonstrated as being certifiably compliant reported allegation ( s ) of information that I mark as being in question.

They Stated my account has been verified but how is that possible if they did not do a proper investigation according to law. Also every piece of information on these accounts are still not reporting reporting 100 % Accurate. According to the FCRA 15 USC 1681 everything has to be 100 % Accurate.

list of Accounts see the attachments of accounts than need to be deleted
Consumer complaint received 2019-11-04
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Merchants' Credit Guide Company (TX)

My complaint is regarding Merchants Credit Guide Collection Company listed on my credit report also under XXXX XXXX XXXX for {$280.00} and {$750.00} I have sent several letters disputing this debt and It was removed however it keeps popping up and the documentation they allegedly sent to the Credit Bureaus is a direct violation of my HIPPA rights. I would like for this debt and any additional debts from this company removed from my credit report immediately. It was removed and added back to my credit report and I was not notified with any documentation from the Bureaus or Creditors.
Consumer complaint received 2023-12-19
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (TX)

Wells Fargo is saying our home is foreclosure but it was sold privately and not foreclosed on. We signed our title on XX/XX/XXXX the home buyer purchased the home on XX/XX/XXXX. Wells Fargo is claiming that it was foreclosed on XX/XX/XXXX but that is not accurate.
Consumer complaint received 2023-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (MD)

On XX/XX/2023, I went to the car dealership XXXX XXXX to purchase a vehicle. Before going to the dealership, I applied for financing via their website. I did so because I was told this would preapprove my auto loan and prevent the dealer from having to run inquiries on my report for a loan. 

2 weeks after the vehicle purchase I received multiple letters from different financing companies claiming I had requested a credit inquiry. I investigated further into the issue and found that the dealership and put 12 inquiries on my credit report without my consent. 

I have attempted to call the dealership multiple times in an attempt to reach the finance director to request a deletion letter to remove the inquiries from my credit report. 

I reached out to all 3 credit bureau with little success. The bureau 's claim I need to deletion letter from the dealership since I did not consent to the inquiries. 

I am submitting a complaint because the dealership refuses to answer any of my phone calls or voicemails
Consumer complaint received 2019-11-04
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC. (OH)

PCR  calls several times a day. We called them back and they checked all associated phone numbers with us and they don't have any of our phone numbers on file. So we don't have a debt there that needs to be collected. The rep stated she would forward this information to management so the calls would stop. They continue to robo call daily.
Consumer complaint received 2022-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Global Lending Services LLC (UT)

I have a vehicle loan with Global Lending Services that was taken in XXXX. It has been XXXX months and the loan does not appear in my credit reports. I called them and they say they have reported and it's not a problem on their end.
Consumer complaint received 2019-06-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I received an offer in the mail to apply for the Capital One " Spark '' Business Card. The offer included a {$1000.00} Cash Bonus after spending {$10000.00} in the first 3 months. After fulfilling this qualification I received a {$500.00} Cash back. After numerous phone calls with customer service and management they have refused to give the offer that was promised. 
Procuring cause and offer information below has been provided. 

Reservation # : XXXX Access Code : XXXX
Consumer complaint received 2019-11-04
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

XXXX. Furnishing certain deceptive forms ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. 

Company is using letter that is trademarked with company letterhead representing participation of Original Creditor to collect debt. Original Creditor states the letter was not sent to collection agency to be forwarded to me as a means to verify debt and they have nothing more to do with that account.
Consumer complaint received 2022-07-07
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: VANDERBILT MORTGAGE & FINANCE, INC (TN)

I locked a rate with Silverton mortgage on XX/XX/22 for 180 days while building a new home. I had reached out to the XXXX who, informed me, that he had cancelled my loan because I had evidently told him I was going with a different lender. This is not true. I never once told them after XX/XX/22 that I was going with a different lender, in fact, I had no contact with the XXXX from Silverton until XX/XX/22. 

Not only did he cancel my loan without my request, consent, or any other reason he lied to my face and told me I called him in XXXX to alert him. This, too, is false. I parsed phone records from XXXX from my provider and found no phone call to or from the XXXX at Silverton. I parsed emails to him, the last one I sent was XX/XX/22 when I signed the 180 day rate lock disclosures. 

I had finally contacted his manager and he had attempted to fix it, stating he has never had anything like this happen in the 3 years he has managed the branch. This entire process has been stressful enough dealing with renting, landlord being pushy, construction delays, flaky timelines from the builder, and the cherry on top is a completely inept XXXX. 

I understand we all make mistakes, but not only is the XXXX not owning the issue he is lying to attempt to get around it. There is no paper trail regarding me allegedly wishing to cancel the loan, and the XXXX is attempting to fabricate one to avoid consequences. 

Even if this is resolved in my favor this complaint should be taken seriously by Silverton Mortgage. Not only could this XXXX cost me tens of thousands of dollars, the stress from this is completely unnecessary and should have been avoided entirely.
Consumer complaint received 2019-11-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (CA)

My student loans were previously being serviced by XXXX, but when I applied for the Public Service Loan Forgiveness they were immediately moved to FedLoan. My loans have now been with FedLoan for about 2 months and they are not showing any of my previous qualifying payments! Some of my loans should be ready to qualify for forgiveness now, but FedLoan says they don't know why my payments aren't showing. I have emailed them multiple times, asking for these corrections to be made but nothing is happening!
Consumer complaint received 2022-07-07
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 following creditors have violated my rights. 
XXXX XXXX XXXX account number : XXXX XXXX XXXX XXXX account number : XXXX 15 U.S.C 1681 section 602 A., state I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also state a consumer reporting agency can not furnish a account without my written instruction.
Consumer complaint received 2019-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (CA)

I have sent in several requests to remove the hard inquiries from my report do to the fact that I do not recognize them and have asked that either proof be provided or they should be removed. Under Section 604 of the FCRA they are in direct violation and therefore the inquiries should be removed.
Consumer complaint received 2019-08-30
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (OR)

On XX/XX/2019 I Deposited my payroll check of the amount of {$610.00} into my US Bank account. They then put a hold on my payroll check, I have tried to go it to two different branches and called multiple time and they will not help me. They wont ever tell me the correct date for when my pay check will be available. I have been told 4 different days. They have charged me over deft fee because money was taken out of the account and they have informed me that the charges will continue to charge me until money is place into the account however, I don't get paid again for another week so I am unable to place more money into the account. US Bank refuses to help me in anyway and they wont stop the fees or take the hold of so I can pay my bills. My account is just of 47 days old and US bank told me the they place hold on any money coming into accounts for the first 90 days. However, When I opened the account the employee told me that because I have a loan through them that this would not apply to me. I was miss in formed from the start if I would have known this information from the start I wont have open my account with this bank.
Consumer complaint received 2022-07-07
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  XXXX XXXX bank account XXXX, XXXX XXXX XXXX account XXXX, XXXX XXXX account XXXX, XXXX XXXX Bank account XXXX XXXX Has Violated my rights. 

XXXX5 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 also states a consumer reporting agency can not Furnish a account without my written signature or instructions.
Consumer complaint received 2021-04-15
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: NAVY FEDERAL CREDIT UNION (CA)

I have been trying to open an account with Navy Federal for about a year and 1/2 now close to two years. I'm elegible since my grandparents serve in the XXXX and the military. I called federal navy several times and ask for an update on my aplication and through out the years I got the same response that I was ineligible because they couldn't verify my information and that's is just absurdb I sent every document they requested multiple times, I don't understand how can they not verify. 

I sent all the requested information Drivers license W2 Car registration Utility bill Green card Ban statements Today I finally got an answer from a very nice lady that said that once they put an alert that they couldn't verify my information all my aplication for membership will be taken but denied. I asked if there was a timeline for me to apply and she said I could always apply but it would lead to that same decision. 

I provided everything requested and I feel like navy federal had more then enough information to open my account they just have chosen not to based on their own faulty system and wish for them to reconsider and make things right by verifying my information and approving my rightfully right to membership.
Consumer complaint received 2019-08-03
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account information incorrect
Company: Avant Credit Corporation (KS)

Loan was paid off by a Credit Counseling Agency- XXXX in 2018.  XXXX paid the amount due provided by XXXX.  However XXXX still shows a balance of XXXX on my credit report. They show the amount on time, but will not remove it from my credit report. I have contacted them several times. They will not respond to me.  There is NO balance due.
Consumer complaint received 2021-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Commonwealth Financial Systems, Inc. (IL)

On XX/XX/XXXX commonwealth financial reported moving a negative to collection. And again reported moving the same negative to collection on XX/XX/XXXX. So this company moved a negative to collection twice to damage my credit. The problem is XXXX XXXX is already in collection on my credit for this account. Commonwealth is reporting fraud accounts on people 's credit. The medical bill is already in my account as collection but Commonwealth is trying to bill me twice. See attachment. 

Collection Agency COMMONWEALTH FINANCIAL Phone ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA Zip XXXX