davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-27
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Integrated Recovery Services (CA)

XX/XX/2019 - XXXX called leaving a message to resolve a debt or " proceedings '' will be initiated. Stated that something was mailed to my address. No mailing is at my address. Stated that company is Integrated Recovery XXXX. Phone number given in the voicemail is XXXX. 

This company has called from other phone numbers prior to this call as well. 

This webpage also has statements that the 877 number above actually does not belong to Integrated Recovery XXXX : https : XXXX
Consumer complaint received 2018-12-06
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Penn Credit Corporation (NY)

Penn Credit ( PC ) has been excessively calling / harassing my home multiple times daily/weekly/monthly for over 4 months from Monday thru Saturday from XXXX XXXX to XXXX XXXX Their calls disconnect when my answering machine turned on. Therefore, I do not know the reason for the call because they do not leave a message. I was forced to buy a phone with a block feature ( XXXX  recommendation ). PCs phone number is blocked, however, they continue calling. My first recorded date when PC began calling my home was XX/XX/2018 at XXXX XXXX from the phone number XXXX. The most recent recorded date is XX/XX/2018 at XXXX XXXX My wife XXXX and I have been the only residents here for the past 10 years. We do not have nor had any debt. I am registered on the do not call list. I was advised the contact your agency. Thank you.
Consumer complaint received 2022-09-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2018-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: JPMORGAN CHASE & CO. (TN)

i am going to waste my time once more to ask for help against Chase credit card company. I had to close my excellent open account with XXXX balance that I had for many years, because chase would not allow me to protect myself from fraud by locking acct. So I asked to close acct., now I try to get updated credit bureau report from XXXX , but my chase card is no where to be reported, it was there in XX/XX/XXXX. I call XXXX they say there is no record of it and I need to call chase to get it reported. I call chase, get transferred to XXXX, who tells me, IT IS MY FAULT THE CREDIT BUREAU REPORT WAS REMOVED, BECAUSE I FILED WITH CFPB AND SHE IS SORRY BUT THERE IS NOTHING SHE CAN DO TO GET IT REPORTED TO XXXX. THIS IS EVIL! JUST BECAUSE I TRY TO REPORT WHAT THIS EVIL CO. DID TO ME, THEY HAVE THE RIGHT TO NOT REPORT MY EXCELLENT CREDIT HISTORY? IF I NEVER PAID MY DEBTS, IT WOULD BE REPORTED AROUND THE WORLD, BUT SINCE I WAS NEVER LATE & PAID OFF THOUSANDS OF , THAT SHOWS EXCELLENT LOYALTY & INTEGRITY. THE LAST SMALL BIT I HAVE LEFT. THESE COWARDS HAVE THE POWER TO COMPLETELY ERASE IT FROM MY CREDIT REPORT.
Consumer complaint received 2021-11-14
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC (OK)

XXXX XXXX has filed a suit in court but has not contacted me about any debt I owe them, I will answer the suit but they should come with the contract. I have never entered into a contract with XXXX XXXX a debt buying company. I am asking for them to verify debt with the original contract with my signature. They have failed to verify or notify me of said debt but have proceeded to file suit.
Consumer complaint received 2018-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (NY)

I defaulted on my Navient loans in XXXX and rehabilitated them in XXXX. As part of the federal loan rehabilitation program, all Negatives would be removed from my reports. Navient has unreasonably refused to remove the negatives on my XXXX credit report.
Consumer complaint received 2018-12-12
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. (GA)

XXXX XXXX  and the credit bureaus have incorrectly reported a debt on my credit report. They are being dishonest by saying my last payment was in XX/XX/XXXX. I bet they can not give you anything that shows where I made a payment back then! Nothing could be further from the truth. Because there is no longer a delinquency, the debt should have been removed in 7 years and it shows as a charge-off and they have not removed the old trade line and they should have. The reason they are making things look this way, is so that they can make this look like a recent debt so that it can stay on my credit report to continue ruining my credit for years to come. They did remove the late payments. However, they are also saying that I closed the account on XX/XX/XXXX, which is also another thing that is untrue and dishonest about the way that they are reporting this on my credit report. I never called in to have the account closed. Again, anything they can do to keep an old debt reporting and to keep it there longer that it should be. This debt is supposed to be wiped clean after 7 years. We are into the 10th year, and, they are still continuing to report it inaccurately and they think that I won't notice. Nothing should show past due on the account either because the whole trade line should not be there to begin with. Yet, it shows that I owe {$2000.00}. I don't owe anything.
Consumer complaint received 2020-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (LA)

I have disputed a bankruptcy inaccuracy several times via certified mail and online dispute to the credit bureaus. The company has received my dispute each time. Upon receipt my request was to verify the information and once verified inform me of the source. The bankruptcy was verified through XXXX XXXX who stated they verified it through the courts. That is false information because the creditor in this case is the bankruptcy court who does not verify anything. They sent me a notarized letter stating this. XXXX XXXX is a 3rd party vendor and that was against FCRA. I have reached out several times with supporting documentation to have it deleted as this is false information they are reporting.
Consumer complaint received 2018-12-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (CO)

In XX/XX/XXXX, then President Bush signed into law a provision for the cancellation of federal student loans for XXXX XXXX XXXX   who made payments on time for ten years. I did everything I was supposed to do for that ten-year period and have continued to do so in order to take part in this loan cancellation program I am entitled to. In XX/XX/XXXX, I contacted Navient to have my student loans canceled. I was told I didn't have the correct loan so they would need to re-finance under a different loan and I would have to make payments for another ten years in order to take part in this. Since that time, they have taken as much as {$480.00} in one months ' interest. Their interest payments vary from month-to-month but are usually somewhere between {$150.00} and {$200.00} every month. The reason they want me to continue making payments is obvious. They are getting rich off of exorbitant interest payments. It's obviously in their financial interest not to honor the loan cancellation program. I know that several lawsuits have been filed over this already and rightfully so. Hopefully, you will be able to make this right.
Consumer complaint received 2018-12-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MARINER FINANCE, LLC (LA)

Creditor is reporting accounts that are invalid and unverified. XXXX and XXXX  have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again. 


MARINER FINANCE , LLC Account Number : XXXX Account Type : Installment Account Status : Closed Monthly Payment : {$140.00} Date Opened : XX/XX/2017 Balance : {$3100.00} Terms : High Balance : {$2400.00} Limit : Past Due : {$3100.00} Payment Status : Bad debt & placed for collection & skip Comments : CHARGED OFF ACCOUNT
Consumer complaint received 2023-04-10
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I demand all 3 CRA 's to block and remove items listed according to 15 U.S. Code 1681c2 - Block of information resulting from identity theft, I have filed a Policy Identity Report as well as FTC Report, I have already spent an insurmountable amount of time and money attempting to get my Consumer Reporting in accurate status. Please delete and remove the above. 

Personal Information is attached on my FTC Report Telephone Numbers XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Employment Data XXXX XXXX XXXX XXXX XXXX XXXXXXXX Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF ED APPLIED BANK XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX As well as any Inquiries that have been reported within the last XXXX Please understand I can only list from the file which I received from XXXX, Once I receive an updated copy of my consumer file there may be other inaccuracies that weren't specified in the past report which I will be amending if there should be a need to. 

I demand XXXX to block and remove items listed according to 15 U.S. Code 1681c2 - Block of information resulting from identity theft, You are Required to remove and block these transactions from being reported to my consumer report within 4 days. 

I advised XXXX to make sure they have my expressed written or verbal consent before reporting any personal or private info. 


Police Report Case # XXXX FTC Report Attached Notice of Furnishers w/FCRA Laws Attached
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

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. 

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 XXXX XXXX has violated my rights. Or a 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 2018-12-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (LA)

Creditor is reporting accounts that are invalid and unverified. XXXX  and XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again. 


ONEMAIN Account Number : XXXX Account Type : Installment Account Status : Closed Monthly Payment : {$0.00} Date Opened : XX/XX/2014 Balance : {$0.00} Terms : High Balance : {$5000.00} Limit : Past Due : Payment Status : Bad debt & placed for collection & skip Comments : ACCOUNT TRANSFERRED OR SOLD CHARGED OFF ACCOUNT
Consumer complaint received 2018-12-06
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (NY)

I FELL BEHIND PAYING MY MORTGAGE XX/XX/2016, I HIRED THIS ATTORNEY IN XX/XX/2016 XXXX XXXX XXXX XXXX XXXX XXXX. THE MORTG. SERVICER IS SLS OF XXXX XXXX XXXX. XXXX COLORADO.THIS COMPANY HAS NOT SENT ME ANY MORTGAGE STATEMENTS AFTER XX/XX/2016, THEY FORGED A ROBO-SIGNATURE ON ALL THERE DOCS TO MY ATTORNEY AND MY SIGNATURE ON PAPERWORK THEY SENT TO MY ATTORNEY IS NOT MINE. ALSO THEY REFUSE TO SETTLE OR GIVE ME A MORTG MOTIFY, BECAUSE OF MY AGE/XXXX, AND THEY ARE DRAGGING THIS OUT ADJORNING THIS CASE AS A RETALIATION AND CAUSING MY DEFAULT TO MY MORTGAGE SIGNIFICANTLY SO I COULD NEVER PAY THE ARRERS OF MY DEFAULT AND FORCE ME TO CLAIM A CHAPTER XXXX BANKRUPTCY.
Consumer complaint received 2018-12-06
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

I have been a Fifth Third bank checking account holder for XXXX years. In the past XXXX months, I have had charges come through my checking account that caused my balance to go negative. I have always turned " off '' my overdraft protection and use that as a way to know when my balance is low and I need to put more money in that account. Each time ( I believe it has happened twice in the past XXXX   months ) my balance has gone negative, I get charged a fee.

I called Fifth Third and complained about this when it happened XXXX months ago, and they did remove the overdraft fee during that occurrence. Today is XX/XX/XXXX and the same scenario occurred again yesterday. I do not understand how a bank can authorize a transaction via your checking account when there are not funds in the account to cover the transaction, I asked them not to do that, and not only do they do it anyway but then charge me {$34.00} for doing it. Seems highly illegal and immoral. Please investigate.

Thank you.
Consumer complaint received 2024-02-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Upon reviewing my TransUnion credit reports, I have identified unauthorized inquiries. I kindly request the deletion and blocking of these items that do not belong to me within the next 5 business days.
Consumer complaint received 2023-04-10
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

Experian failed to comply with 15 USC 1681s-2 ( b ). Experian is civilly liable under 15 USC 1681 ( n ) ( i ). A dispute letter was sent due to inaccurate information being reported and a reinvestigation of the claimed verified information from the furnisher. 

Experian failed to conduct a reasonable procedure by their own industry standard of Metro 2. XXXX failed the Metro 2 standard requirement to report the full DOFD a ECOA requirement code -37 which is a violation of code. ECOA requires the date of first delinquency to report the month/date/year, not just the month and year as being reported. 

Experian failed to report the account type as credit card code 18. The account type being reported as charge off/collection which is not an account type. XXXX failed to report consecutive 24 months of payment history. Failing to report XX/XX/2021 presents willful noncompliance. 
In conclusion, Experian has failed to conduct a reasonable investigation as required per 15 USC 1681s-2 ( b ) Due to your inaccurate reporting and failure to comply with 15 USC 1681s-2 ( b ), I received damages and harm due with a recent denial for a home loan. Because I was not able to secure a home loan, my family and I moved to temporary housing until I was able to secure permanent housing. My family and I also suffered a loss of days at work and school, moving expenses and losses of utility transfer fees and deposits. 

Therefore under 15 USC 1681n XXXX is liable for actual damages, {$1000.00} violation and punitive damages.
Consumer complaint received 2018-12-06
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Consumer Portfolio Services, Inc. (TX)

I have reviewed this company 's response regarding the release of the CAR Title. The state of Texas has no record of this title and the state of California is expecting me to hire a notary, pay the notary plus pay for a duplicate title. This company did not update their records accordingly and obviously can not keep updated information regarding a past due amount which does not exist. I have been living in Texas for 10 years since XX/XX/2009 and the car was purchased in California. I made all my payments on time and this company failed to update their information with the Department of Motor Vehicles. This is not a frivolous request and I should not have to incur further expenses due to their incompetent ways of keeping accurate and correct information. I am demanding the Car Title delivered to my home address immediately. Why should I have to pay for this company 's erroneous record keeping. I have contacted the Attorney General 's office and they have also will be conducting an investigation.
Consumer complaint received 2018-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (HI)

My loan payments were always sent on time. I keep explaining this to Experian and XXXX but they keep on saying that the accounts are accurate and they have verified it..The accounts were not reported correctly and I would like it fixed! Please correct the status because I was never late on my XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-13
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc. (AR)

A letter was sent to Experian asking that the accounts be removed. They removed XXXX accounts and none of the others. 
There is information that's on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am demanding the reporting of this information be blocked and deleted. My demand to block is not in error nor is my demand to block the identified transactions. The identified transactions by me as the consumer. 
Experian is required to do what I am demanding and block each account and or transactions from being reported to my consumer report within 4 days from the date of this complaint.
Consumer complaint received 2018-12-06
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. (HI)

I am very concerned about the validity and accuracy of the recent investigation done by Equifax and XXXX..I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the account is not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP please this is very exhausting, nobody wants to grant me a loan because of this.
Consumer complaint received 2018-12-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

Every month XXXX XXXX is telling me I would be approved for a cap one Credit card and every month they deny me and never send a reason why. I feel like that they are discriminating me because my credit was stolen buy it is fixed now. I have other cards and they have no problem lending me money but this bank messed my credit up because I did not know about hard Inquiries and Im trying to buy a house and Im homeless because I feel Capital one and XXXX XXXX  are discimating me for someone opened account under the cards the off that was not me .I have almost 30 Inquiries from both of them. I meet all the qualifications and I know people that have worst credit than mine are getting an account.