davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (SC)

Hello, I need some help. Ive looked at my credit report back in the month of XX/XX/2023. And noticed some things are inaccurate. Per the FCRA when a consumer reporting agency prepares a report is shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
These are the accounts of my concern are not complete and accurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Lastly, according to 15 usc 1681s-2 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. 
Ive attach the document ( I also sent a Picture of my identification/ssn and a utility bill to the consumer reporting agency ) I sent my letters several times via usps over 9months to the reporting agency, and over and over I keep getting this notification from them, with no results. We received a recent request regarding your credit information that does not appear to have been sent directly by you or to be authorized by you. 
Ive called to see what is prompting them to keep sending me this letter/email and no one can seem to tell me.
Consumer complaint received 2022-09-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Paypal Holdings, Inc (CA)

XXXX XXXX Paid with XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit Card XXXX XXXX " PAYPAL XXXX XXXX on {$400.00} Transaction ID XXXX I canceled transaction and never get refund
Consumer complaint received 2022-09-01
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Harris & Harris, Ltd. (IL)

XX/XX/22 received back to back calls at XXXX pm cst then again at XXXX cst. When I called back to complain about harassing calls back to back then again less than 3 hours later the representative hung up on me. I called back was immediately put on hold waited for a representative asked for a supervisor and was put on hold then sent to voicemail. They also stated it was their auto dialer in which they do not have permission to call my cell phone on an auto dialer.
Consumer complaint received 2022-04-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: HUNTINGTON NATIONAL BANK, THE (OH)

on XX/XX/22 I went to the XXXX Ohio branch of Huntington to pay off our loan in the amount of XXXX, they said I could not do that at the branch but I could do it online, so I went home to do it online and it would not let me pay the entire amount it did however allow me to pay XXXX, then I tried to pay the rest XXXX and I thought I was successful, the XXXX did not post until XX/XX/22 the XXXX did not post until XX/XX/22. so I went into our account to check it and it still showed a balance of XXXX, I called Huntington bank and asked to talk to someone in the mortgage dept. I did that she said I would have to wait XXXX days for a payoff quote to come in the mail, she also said we would be paying interest that whole time, because I did not do the payoff correctly? My husband was upset when I got off the phone, he had me call back and ask for a manager/supervisor, so I did, I told the supervisor our dilemma, and he said the same thing the first person said, I have never had to jump through hoops to pay off a no prepayment penalty loan before, It is just not right and we are going to move all 7 of our accounts to another bank.
Consumer complaint received 2024-01-29
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ProCollect, Inc. (NC)

Hey, I have no knowledge or did business with this company. This company is trying to collect debt not owed, this company is attempting fruad. The original credit account is paid and closed! I send a validation letter on XX/XX/2023 via mail. I didnt receive a validation letter back from this company all I received was and copy of rental agreement from original creditor. Can you stop this company that I never did business with to stop furnishing inaccurate information on my consumer report. Next step lawsuit!
Consumer complaint received 2022-09-01
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)

In accordance with the fair credit reporting act 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 an account without my written instructions.
Consumer complaint received 2022-09-01
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)

In accordance with the fair credit reporting act 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 an account without my written instructions.
Consumer complaint received 2017-09-03
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc. (OH)

Santander made loans to myself as well s other car buyers while knowing that myself and the other borrowers were probably not able to afford the loans. A press release from the Delaware Department of Justice indicated that Santander had predicted a high default rate and that many applicants stated incorrect or exaggerated incomes.
Consumer complaint received 2017-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (LA)

NAVIENT Balance Increased by {$3600.00} Between XXXX XXXX, XXXX and XXXX XXXX, XXXX, your NAVIENT student loan account balance increased by {$3600.00} from {$3800.00} to {$7400.00}. 

This has been reported to the XXXX and XXXX  and my student loans are in good standing and in income based repayment plans. This is the second increase they have reported in a month and no new loans have been taken out and I have payments of XXXX a month. I have called and they tell me they have not reported any new information.
Consumer complaint received 2022-09-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc. (TX)

Hi, I had an account with Comenity Bank ( XXXX XXXX branded card ). I missed to make a payment with them and they have directly reported my account to credit bureau. Comenity bank did not try to contact me via Phone, email or postal mail to see if I can make a payment. Instead, they went ahead and reported to credit bureaus. I am having a very severe impact due to this for getting a competitive rate for my home purchase / Auto loan. 

I have requested comenity bank to remove the reporting as they did not make any attempt to reach out to me, but they have refused to do so.
Consumer complaint received 2022-09-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (TN)

On Monday XX/XX/2022 @ XXXX XXXX  I received an email from Venmo advising that someone was trying to sign into from a different location. The email continued " If this is not you, please let us know by responding ''. I immediately responded to the email advising that this was NOT ME and this was FRAUD. The next morning, I logged onto my bank account which was linked to my Venmo account and I observed that there were 3 transactions@XXXX each withdrawn from my bank account ( using Venmo ). I immediately contacted Venmo and they advised that I needed to contact my bank. I contacted my bank and they started an investigation. However, I am still out XXXX AND according to Venmo 's cardholder agreement, if FRAUD is detected, I would not be liable for more than XXXX total. I am needing help to resolve this because I feel that someone is passing the buck. My bank is XXXX
Consumer complaint received 2021-09-23
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: General Motors Financial Company, Inc. (IL)

Opened account with GM Financial on XX/XX/2020 with my social security number which was a consumer credit transaction. GM Financial received full payment and has also been receiving monthly payments which has not been to my benefit. GM Financial has violated my rights as a natural person and consumer. I have attached the documents I sent out to GM Financial on XX/XX/2020. I have also attached proof of down payment in the amount of {$1300.00}.
Consumer complaint received 2020-02-24
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. (UT)

I have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX  XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting several in errors which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Consumer complaint received 2017-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS (FL)

lexis nexus is report an address and five claims that dont belong to me i never lived in ohio or had an ohio address these claims are not mind they said to contact the insurers and i did and they told me to contact lexus nexus i have a fl license never had an ohio one
Consumer complaint received 2022-08-31
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: CRED Technologies dba cred.ai (CA)

My purse was stolen out of my car. Inside was my wallet and phone. Immediately had an authorized charge. On my phone I use XXXX. My Cred.ai account is linked to my XXXX. So, even if my XXXX balance is {$0.00}, I could still make a purchase using XXXX account, and the funds will automatically be deducted XXXX from my connected credit card account. Whoever took my purse, attempted to use many of my accounts. They were successful by using my XXXX. There were two money transfers or two payments made to another XXXX user. Cred.ai asked me where do I keep my PIN numbers to my accounts. Well, I have it written behind a picture in my wallet. But I suspect that my purse and phone were actually stolen by someone I know and someone who may be close to me. Whom may be privy to the codes I typically use. Cred.ai denied my unauthorized charge claim.
Consumer complaint received 2022-02-24
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)

good evening this complaint is being made on Experian and XXXX  XXXX  for providing me with false results, non compliance procedures and for violating my right to privacy. 

XX/XX/2022 I wrote to experian wanting to excerise my rights to Opt Out of having my private confidential information being reported by a non affiliated third party. 

XX/XX/2022 my results say these XXXX accounts were updated. well while looking over my before and after results there was not a single field that was updated to show proof to support experiens results. to my understanding if Experian chose to update a account then their results must reflect such update in order for me to comprehend their investigation. how can these results say updated but nothing was updated? every field is reporting the exact same with the acceptation of changing the processing of their dispute in XXXX XXXX either this is a stall tactic or Experian did not investigate this account to begin with, either way they are in violation for non compliance after I brought this letter to their attention. in addition how could experian complete this investigation so quickly? my letter was sent XX/XX/2022. I allowed about 5 days in order for them to receive my letter so that puts my letter in their office about XX/XX/2022 and they completed their investigation in XX/XX/2022 in 9 days? 
I never received the disclosures from XXXX XXXX to show proof that they in fact sent them to me before they could report these XXXX accounts. another reason why experian is in non compliance, because if they investgated then wouldn't I receive what I notated in the letter from first premier to prove they can report legally? under 15 u s code 6802 ( a ) ( b ) ( 1 ) ( A ) ( B ) ( C ) XXXX  XXXX  is REQUIRED by LAW to provide me with such disclosures if they CHOSE to report my non public personal information to a nonaffiliated third party. these documents are not supported. under 15 u s code 1681 ( a ) ( 4 ) I have the right to privacy and since you have authority to help conosumers like me who's rights have been violated from creditors/third party entities who continuously violate the United States Code I am hoping you can assist me.
Consumer complaint received 2024-06-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: DISCOVER BANK (MD)

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful mis-statements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating this account. I demand you to delete fraudulent account now.
Consumer complaint received 2022-08-31
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX amount {$130.00} Account # 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 2022-09-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services (IL)

On Monday XX/XX/XXXX, I contacted EdFinancial ( https : //edfinancial.com/welcome ) after learning that student debt payments made on XX/XX/XXXX or after can be refunded as I made my $ XXXX payment ( remaining balance ) on XX/XX/XXXX. I asked for a refund due to the recent announcement from the current administration for student debt relief. 

The EdFinancial representative noted that this refund can take anywhere from 150 days to 170 just for EdFinancial to process the request which is alarming as I have heard other loan service providers have given ~1-3 months process time and the student debt payments resume XX/XX/XXXX. Further, I was told I would not be getting a confirmation that my refund request has been processed and have no way of knowing if my refund will be processed in time to apply for loan forgiveness. 

Attached payment remittance of $ XXXX that includes my account #.
Consumer complaint received 2022-02-24
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. (NY)

i have a collection on my credit report that pop up and its not mines its fraudulent and i want it removed under the fair credit reporting act ( FCRA ) XXXX XXXX XXXX also i have 5 inquiries that is not mines and i want it removed as well asap under the FCRA XXXX XXXX bank - XX/XX/2021 XXXX- card service XX/XX/2021 XXXX - XX/XX/2021 XXXX XXXXard service XX/XX/2021 XXXXl XXXX bank XX/XX/2021 2021
Consumer complaint received 2020-02-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CB1, Inc. (MT)

This bill was paid XX/XX/2019 this company has been viciously and maliciously attacking myself and my credit. I had to hire an attorney to help me deal with these people at CBM  and CB1 collections " same company '', this bill was off my collections in XX/XX/2019 and just recently showed back up. this bill was paid directly to cb1 on XX/XX/2019 in the amount of {$190.00} this needs to be removed from my credit or show as paid in full. this company needs to be looked into for harassment and bad practices of peoples credit.
Consumer complaint received 2022-08-31
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: Navient Solutions, LLC. (NJ)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my 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 2022-02-24
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I I do not consent to the following closed accounts being reported on my consumer report by transunion block and remove them. The closed accounts are XXXX XXXX XXXXXXXX, Balance {$510.00} opened XXXX, XXXX XXXX XXXX, Balance {$0.00} opened XXXX.XXXX XXXX XXXX , Balance {$0.00} opened XXXX.
Consumer complaint received 2022-08-31
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)

XXXX XXXX XXXX Account # XXXX XXXX & XXXX Account # XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX  XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX  Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX In accordance with the Fair Credit Reporting act XXXX Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # 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 2019-07-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I received a collection letter from Portofolio Recovery Associates, LLC stating that owe XXXX XXXX XXXX   {$1000.00}. This account was closed and paid full. I recommend that you STOP all the attempts to collect that debt. I dont have any business or contract with Portofolio Recovery Associates.
Consumer complaint received 2017-09-03
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. (IL)

Hello, RE : Credit Bureaus Reports Issues : -Information is not corrected and explained in plain language. ( For example : Balances, old accounts listed ) -TransUnion does not provide me the opportunity to " dispute online ''. 

OnXX/XX/XXXX I became a member through XXXX to have easy access " online '' to the 3 Credit Bureaus. I am enrolled. My purpose is to make sure my reports are accurate. 
- TransUnion does not allow me to dispute " online ''. Why? I do not know. No answers about it. I sent written " disputes ''. Results " Unfinished Business ''. No corrections made. 

The 3 Bureaus do not sent explanations of what specifically was " corrected ''. It seems to me the 3 Bureaus take a generic letter of " acknowledgement letter '' and help yourself. 

Still, I see the same incorrect information listed. Then, the frustrated cycle continues. 
In particular, after the back and forth " TransUnion '' keeps listed in my report that I have a " Balance for {$25000.00} with XXXX XXXX initial balance for a new car at that time. Also listed as REPOSSESSION. It was my " Voluntary ''  Request to XXXX XXXX '' to pick up the car. I wanted to refinance the loan. No success. Which it was paid off and included in a Chapter XXXX Bankruptcy. Now, " DISCHARGED '' since XX/XX/XXXX. 
- I asked and presented specific details to the 3 bureaus to update my balances. It seems to me the 3 bureaus are very concerned about collecting money by selling their products and in exchange they provide the customer a very poor quality work. Please advise. Thank you.
Consumer complaint received 2022-08-31
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: BMW Financial Services NA, LLC (SC)

In accordance with the fair credit reporting Act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 states I have the right to privacy on all accounts.

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

15 USC 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose or reason.