davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

XXXX XXXX # XXXX is reporting an account to my credit report with a balance that should not be on there. I paid off this balance more than a year ago and it is still reporting a balance to my credit. This needs to be updated or removed immediately.
Consumer complaint received 2018-09-06
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MA)

I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Consumer complaint received 2019-04-12
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (CA)

XX/XX/XXXX is when I stopped making payments on my house. Wells Fargo refused to modify for 3 years, but finally began a modification XX/XX/XXXX. Wells Fargo added on all the late fees and late payments onto the balance of my loan. They then separated my loan into 2 loans and spread the loan with the same interest for 40 years. I tried in XX/XX/XXXX to modify again with Wells Fargo as property taxes had doubled and I could not afford the payment again. They refused on the grounds that they could but did share that I didn't make enough. I applied again in XX/XX/XXXX for another modification and my loan servicer was sold to XXXX XXXX XXXX within 2 weeks of my request for a loan modification. I have had my account changed twice already within a month with the new servicer and no results as of yet. All I want is to get my original loan amount back so I can go out and purchase a loan for a fair amount. 

I used XXXX XXXX XXXX XXXX XXXX XXXX ; however, they were unable to help me get a modification. It was XXXX ( XXXX-XXXX-XXXX ) that was able to get Wells Fargo to modify my loan in XXXX. I have called XXXX, but they were unable to help me and they do not consider HOA fees as part of your debt.
Consumer complaint received 2019-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

On XX/XX/2019 XXXX XXXX sent me a letter and agreed delinquencies reporting was an error on my credit report and would be updated on the XX/XX/2019. Two of my reports were updated and the one that wasnt is now TransUnion is reporting 90 days delinquent on my XXXX XXXX Report because Im closing on a house next week so its time sensitive.
Consumer complaint received 2023-01-03
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. (NY)

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 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 2019-04-12
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Pinnacle Financial Group, Inc. (FL)

Pinnacle Financial is an auto loan account that was transferred from another company around XX/XX/XXXX. 
Pinnacle Financial constantly calls me at work before, during or after due date of my payment. 
Pinnacle Financial sends daily text messages ( without my permission ) to my phone to remind me of my payments, before, during or after I am late.

Pinnacle Financial contacts me several times per day.

Pinnacle Financial calls at odd hours of the day.

Pinnacle Financial sometimes contacts me even when my bill is current and up to date.

I contacted Pinnacle Financial to voice my concerns explaining that I was not happy with the frequent calls and text messages. The Customer Service Representative on XX/XX/XXXX refuse to allow me to speak with any supervisor to the point that I had to disconnect the call.I called Pinnacle Financial again the same day and spoke to with another customer service rep.The representative proceeded to say that I was avoiding calls from them and that I was irresponsible. Although I have a fairly satisfactory payment history with the company. To avoid speaking with me further she abruptly without notice transferred the call to someone else. A man came on the line yelling " XXXX . XXXX! ", I then disconnected the call. My prompt to call the company was that I just made a full months payment for the month of XXXX on XXXX that was only 2 days late. I had received an text message that I owe a new amount in one more day. I feel that the constants calls and text message are excessive. This has been occurring from the moment the account was transferred to Pinnacle Financial in XX/XX/XXXX but I have not yet complain until now from fear of retaliation. Pinnacle Financial is harassing me in the form of excessive phone calls and text messages. Please contact them regarding this matter.
Consumer complaint received 2019-04-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

The company has restricted my account my balance was over my credit limit. The balance was at {$2200.00} when they offered to unrestrict my account for three consecutive payments of : Offer XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX I was unable to comply here is an account of what I was able to do. 
XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX : XXXX Now to today I am below my credit limit on the after making another XXXX payment for XX/XX/XXXX and XX/XX/XXXX the account is XXXX. I have asked Capital One if they will provide a new offer to unrestrict the card. They have refused. I have asked for the account to be closed and we negotiate a charge off. The specialist informs me that I would not be able to negotiate that unless I did not pay on the account for a 180 days. As a consumer I would like to work with them to come to some accord that would be equitable for both parties but they will not negotiate or work with me at all.
Consumer complaint received 2022-03-07
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. (NV)

XXXX IS FALSLY REPORTING AN ACCOUNT FROM XXXX SUPPOSEDLY FOR XXXX XXXXIN THE AMOUNT OF {$620.00} DOLLARS SO I AM REQUESTING A VALIDATION OF THIS ACCOUNT IN WRITING, WHICH I AM ENTITLED TO ACCORDING TO THE FCRA IN A TIMELY MANNER. PLEASE SHOW ME THE DATE THAT THE ACCOUNT WAS FIRST DEFAULTED ON, TO MAKE SURE THAT YOU ARE NOT REAGING SOMETHING ELSE. I AM ON SSDI SO MY INCOME IS FEDERALLY PROTECTED.
Consumer complaint received 2022-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

XXXX XXXX  XXXX {$8900.00} XX/XX/XXXX this account is unknown to me. 
XXXX XXXX  XXXX {$8900.00} XX/XX/XXXX this account is unknown to me. 
XXXX XXXX XXXX XXXX {$67.00} XX/XX/XXXX this account is unknown to me. 
XXXX {$67.00} XX/XX/XXXX, XXXX account is unknown to me. 

XXXX XXXX XX/XX/XXXX. This inquiry was not authorized by me. 
XXXX XXXX XX/XX/XXXX. This inquiry was not authorized by me. 
XXXX XX/XX/XXXX. This inquiry was not authoized by me XXXX XXXX XX/XX/XXXX. This inquiry was not authorized by me. 
XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. This inquiry was not authoized by me.
Consumer complaint received 2019-02-04
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (FL)

On XX/XX/2019 at approximately XXXX XXXX I went into XXXX, XXXX XXXX Store in Florida to make a purchase using 2 {$5.00} Bucks I had. When I arrived at the cashier to cash my purchase she told me I could get a further 20 percent off the items which I gladly appreciated. 

She went on to applaud me on the savings I had gained and then it was time to pay. I inserted my card and realize the machine was asking for my Social Security number number, I asked why and she replied it was the reward of 20 percent she had given me, I proceeded to pay my bill. 

When she handed me my receipt she says your card will be coming in the mail and I asked what card? She replied you can use your receipt to make purchase until the card arrived, I immediately realized what had happened she had tricked me into a credit card which I never asked for or needed. 
I immediately exited the Store and called Customer Service to report the event. My only recourse from their Credit Department was they gave me credit bureau number to call and report the issue. Since then I have called the credit bureau but was informed the store had to remove the hard inquiry on my credit report. I subsequently closed the credit card 2 minutes after existing the store. My credit will be affected as a result and I now realized how difficult this will be to get the store to do right by me. 

I went back to the store spoke to XXXX, she says she was the manager. She gave me this XXXX to call to try and get a result. 
Thank You
Consumer complaint received 2019-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MARINER FINANCE, LLC (VA)

I had an account with Mariner Finance that was paid in full in XX/XX/XXXX. Mariner reported no data on the account to XXXX in XX/XX/XXXX which is about when paid in full. Mariner then reported it 90 days late in XX/XX/XXXX. Then then reported no data to XXXX every month from XX/XX/XXXX to XX/XX/XXXX when they began reporting in as being 90 days late every other month ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) when they clearly report {$0.00} balance on the account. 

Excerpt copied from XXXX credit report : 4.8 MARINER FINANCE , LLC ( CLOSED ) Summary Your debt-to-credit ratio represents the amount of credit you're using and generally makes up a percentage of your credit score. It's calculated by dividing an account 's reported balance by its credit limit. 
Account Number xxxxxxxx XXXX Reported Balance {$0.00} They have provided clearly false information on this account and have refused to remove the information. Reporting it as being 90 days late for every other month in XX/XX/XXXX is fraudulent.
Consumer complaint received 2023-01-03
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. (GA)

In accordance with the Fair Credit Reporting Act, the following accounts have violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose 15 U.S. Code 1681c2 Subsection 3 : if a consumer reporting agency rescinds a block, the presence of information in the file of a consumer prior to the blocking of such information is not evidence of whether the consumer knew or should have known that the consumer obtained possession of any goods, services, or money as a result of the block.
Consumer complaint received 2023-01-03
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. (GA)

In accordance with the Fair Credit Reporting Act, the following accounts have violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian ) - XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose 15 U.S. Code 1681c2 Subsection 3 : if a consumer reporting agency rescinds a block, the presence of information in the file of a consumer prior to the blocking of such information is not evidence of whether the consumer knew or should have known that the consumer obtained possession of any goods, services, or money as a result of the block.
Consumer complaint received 2023-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

Dear Sir/Madam, This is my second request for details of the procedure you followed when investigating accountnumber [ account_name ] with [ bureau_name ]. 

I sent you a request for this informationand have received no responsePer the Fair Credit Reporting Act, a consumer may request a description of the procedure used todetermine the accuracy and completeness of disputed information. It also states that the creditthe bureau shall provide a description of such investigations within 15 days of the consumer 's request. 



It has been well over 15 days which means that you are in violation of the FCRA.To avoid further action, please forward to me a description of the procedure taken in order todetermine the accuracy of the account number [ account_name ] including but limited to, the nameof the creditor, along with their address and phone number. 

Also, I want to know who you spokewith and on what date. 

Please forward this information to me within 15 fifteen days of receipt. As I have previously stated, this account is incorrect and needs to be deleted. Please send me a corrected credit reportalong with the description of your investigation.
Consumer complaint received 2023-01-03
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. (MD)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX Balance : {$2900.00} XXXX XXXX  XXXX Balance : {$2800.00}
Consumer complaint received 2023-09-06
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: LOBEL FINANCIAL CORPORATION (FL)

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

15 USC 1681 section 602 states I have the rights to privacy.

15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card Account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

I received my credit report on XXXX and noticed there were hard inquiries that dont have permissible purpose to be on there. These hard inquiries are hurting me for getting approved credits and loans. I already reached out to the credit bureasus about this multiple times and they keep violating my rights under 15 USC 168b. 

XX/XX/3 - hard inquiry - XXXX XXXX XX/XX/ - hard inquiry - XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX  - hard inquiry - XXXX XXXX XXXX XXXX XXXX - hard inquiry - XXXX XXXX XXXX XXXX XXXX XXXX  - hard inquiry - XXXX XXXX XXXX
Consumer complaint received 2020-02-07
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Home Loan Center, Inc. (CA)

I became homeless and my purse was stolen at XXXX I lost my wallet and ID as well as my debit card. I was in a very abusive relationship and suffered XXXX XXXX. Which caused me some issues and I forgot to contact the company I was making payments on already. They threatened to arrest me and go to my families home to warrant a arrest and they would not assist me. They demanded {$2500.00} to settle outside of court and I told them I couldnt and if they could mail me court papers if I have no options left but I didnt commit fraud or didnt pay they was a history of payments I just cant remember a gap of my memory. I have bank proof and I paid a lump some on a prepaid card. The threats they made scared my sister and myself to where I had a XXXX XXXX and tried to remember who I spoke with and how my payments were not on auto pay anymore. I am now scared and anxious I am barely getting my life back together and offered auto payments again with new debit card. She said no and if I had a lawyer present.
Consumer complaint received 2018-04-10
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. (NJ)

To whom this may concern, I submitted 2 letters to Equifax regarding 4 hard inquiries that are on my report, from almost 2 years ago. I have let Equifax know that I wanted to dispute these because these inquiries are NOT mine. I have asked them to provide me with documentation bearing my signature that I authorized these creditors to run my credit and allow such inquiries to be placed on my credit report. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX I have sent letters out on XX/XX/XXXX and to my knowledge the creditors have 30 days to respond or the inquiries have to be taken off my report. I have also written ANOTHER letter and sent it off XX/XX/XXXX. Both letters were sent by certified mail. I have also called Transunion and yet NOTHING has been resolved. Because these companies can not verify that I authorized these inquiries I am requesting these inquiries be taken OFF of my credit report immediately.
Consumer complaint received 2019-04-12
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 profile and I believe following accounts are not reporting accurately. Please investigate and verify the following information. If these accounts can not be verified please delete the derogatory remarks from my credit report, 1. I do not recognize the account name and account number of the accounts listed below. Please verify the correct name ( including the trade name that the credit account may have been marketed under ) of the original creditor and full account number so I can verify the account against my records. 

2. On some of the accounts listed below, I believe that you are incorrectly reporting the credit limit, current balance and the high credit amount. Please check your records and update accordingly. Please do not report incomplete information as this may harm my credit profile. 

3. On the accounts listed below, you are not reporting the correct status of the account. Please verify that the status of each account is reporting the most current and accurate status, keeping in mind that the status of the account may have changed since the first or last time you updated this account. 

4. On the accounts listed below, accordingly to my recollection, I was not late to the extent you are reporting. Please double check your records regarding my payment history and update accordingly.
Consumer complaint received 2019-04-12
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: TD BANK US HOLDING COMPANY (CA)

I paid off my loan held by TD Auto Finance on XX/XX/19. I had made a monthly principal and interest payment on XX/XX/19. My final payoff demand was not updated to include that P & I payment, and as a result I had overpaid. I have called TD auto finance once a week since my payoff to see when I would be receiving the {$740.00} over payment. Each time I have called, I have spoken with a new representative, who has informed me that the payment would be sent " next week ''. " Next week '' never comes and it does not appear TD Auto Finance has any intention on refunding my over payment. If I made a late payment they would be charging me default interest. Yet, they will not return my over payment, and I am not being compensated for that in any way whatsoever. I just want my money back and they have held it hostage. It has been 56 days since my final payoff. Where in their terms and conditions does it state this is acceptable? Please help me.
Consumer complaint received 2019-04-12
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: SUNTRUST BANKS, INC. (SC)

On XXXX XXXX I received a direct deposit from my part-time employer and called in this morning to get the balance. My call was transfer to a representative and she told me my account was being closed due to Suntrust Regulations. It makes me upset that they close your account without warning and you cant ' get an explantation on your own money that your worked hard for. I also have a checking account with them and wrote a check and now my check is going to bounce because my account is on hold.