davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports.

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards.

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General. 

Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

XX/XX/21, XXXX emailed me about a new card which I did not request. 
XXXX closed the card and told me to call XXXX to request a fraud alert. 
I talked to XXXX and Experian and I asked both to REMOVE THE HARD INQUIRY from XXXX on XX/XX/21. 

As of XX/XX/21, XXXX did not remove it and Experian is refusing to give me a credit report.
Consumer complaint received 2024-03-01
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. (TX)

The presence of this account has caused me considerable distress, to the extent that it is affecting my ability to sleep. I have provided all the necessary documentation for its removal, and I sincerely implore you to remove it from my credit report.
Consumer complaint received 2019-03-30
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: WELLS FARGO & COMPANY (NY)

Wells Fargo refuses to own up and face their responsibilities of inflicting pain and suffering to millions of pick-A-payment victims that were so systematically duped by a nefarious and deceitful loan product that to this day Wells Fargo continues to vehemently stand behind. Although the premises of my continued compliant was that Wells Fargo is not reviewing my then current 2010 financial crisis situation and assess whether or not the then 2010 modification offered to me at the time was in fact sufficient enough in providing the necessary relief that was not only needed in order to not default, but that was of the relief offered to other modification applicants with similar financial hardship. With that said Wells Fargo has not adequately investigated or addressed the inadequacies and deficiencies of a 2010 Loan modification offered to me during my most dire time of need. The modification offered was subsequently rejected by me due again to the fact that it provided no sustainable relief as it only place the amount owned/rears onto the current terms of then pick-A-payment loan # XXXX rendering the modification destructive and only self-serving to Wells Fargo as it would have protected Wells Fargo from any legal actions against them had i agreed to the terms and signed their proposed " Modification. '' Please note that a copy of this complaint has been forwarded to Florida 's District Attorney XXXX XXXX for their investigation as the proposed loan modification did not come close to meeting the modification relief afforded to all pick-A-payment class action suit home owners victimized.
Consumer complaint received 2019-01-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (KY)

We are not getting our statement in a timely manner and after 17 years we are still paying mostly interest. Out of our last 2 payments only around {$20.00}. went to principal.

When I've called them in the past about this they tell me things like " it's complicated and it all according to what day our payment goes in ''. I also believe they've held back deposit on payments for this reason. 

Once when I mailed the payment 10 days before it was due they charged us a late payment. The payment was received on time but they held it. When we verified this they backed off of the late charge.
Consumer complaint received 2019-03-30
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Marlette Funding, LLC (MA)

What happened? 
your agent XXXX XXXX  was sent emails and certified letter dated XX/XX/XXXX ( confirmed received ) by borrower that advised a payment of XXXX was in the process of being sent The XX/XX/XXXX letter also contained a directive by borrower that when those funds were to pay 20 monthly pre -payments ahaead by month ( XX/XX/XXXX -thru XX/XX/XXXX ) .also borrower and spouse made a total of 4 calls to XXXX XXXX   XXXX 2ce and and XXXX who all assured the payment would be processed in accordance with borrower directive.XXXX stated the monies would be applied but dur datye would not change and it would as months become due as they like draw from the XXXX credit, ,WHAT IS XXXX XXXXHAVE MY MONIES IN ANOTHER ACCOUNT AND SRAWING ADDITIONAL INTREST, THERE SHOULD BE NO CREDIT APPLY THE PAYMENT AS DIRECTED, the problem is it looks like it was applied to principle and does not adavnce due date to the XXXX XXXX..XXXX XXXX   XXXX and XXXX stated the account has a XXXX credit and each month XXXX XXXX would draw off of that .no where in writng does borrower have assirance but XXXX XXXX  word, the account should be above board open and transparent and read due date XX/XX/XXXX and a borrower requests a payment history displaying the breakdowm of payments ( prinxipal and intrest ) for all thoise pre paid months.this internal accounting of my payment i have never seen, when someone pre pays a loan it should display thenext due date, XXXX XXXX  is showing XX/XX/XXXX which is not correct.this business practice is highly suspect and i am taking no one words for how it was applied when i can not see it for my records
Consumer complaint received 2022-07-08
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. (MI)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX 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 XXXXXXXX XXXXas me at a score around XXXX That is a huge difference. XXXX 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 XXXX  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 XXXX. 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 XXXX more than 21 times. XXXX 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 XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Consumer complaint received 2023-03-17
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. (CA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. Please remove this fraudulent accounts : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3700.00} and XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.
Consumer complaint received 2019-03-30
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Second Round Limited Partnership, Austin, TX Branch (GA)

Second Round collection account on my credit reports I have disputed on several occasions. Secound Round collections account.. I do not have an corresponding account number referencing a corresponding number on my credit reports, as this account does not belong to me. I have disputed and spoken with the credit bureaus trying to resolve this problem to no avail. The account number nor the amounts from the collection agencies correspond with any debt listed on my report.
Consumer complaint received 2022-07-08
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: National Credit Systems,Inc. (GA)

In accordance with the fair credit reporting act XXXX Accounts # XXXX National credit systems, has violated my rights. 

In accordance with the fair credit reporting act XXXX  Accounts # XXXX XXXX XXXX XXXX has violated my rights. 

1. 15 U S. C 1681 section 602 A states I have the right to privacy 15 US. 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 2018-09-13
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (TX)

Santander Consumer USA auto loan contract at 18 % APR, when diving into the billing of why after so many years our loan amount wasnt changing, it was then explained that its 18 % DAILY interest on the balance owed. 

I was called and solicited by Santander saying i qualified for reduction in payment for 6 months, what they didnt say is that this was going to be interest only payments, and not advise it was hurting me in the long run and tacking on 6 more months to my maturity date. They used words like 'congratulations, you qualify for this 6 month deal '. 

We have tried to argue their billing practices. About 70 % of each payment was going to interest, and even if making payment on same day each month, it seemed to fluctuate which amount was going to the principal. 

We have put in several complaints, even to their Office of the President. They called on XXXX XXXX, my father ( cosigner ) is a veteran, and i told them do not call back on that day. They put in a cease and desist on our account, which included not sending any billing invoices, statements etc! This was not asked for, and they still should be generating the statements online, and that wasnt that case. So we lost all visibility to our account during that time ( approx 3 months ) until we told them to remove that cease and desist we didnt ask for.
Consumer complaint received 2022-07-08
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Mcburberod Financial, Inc. d/b/a SeedFi (MO)

I HAVE BEEN PAYING SEEDFI FOR OVER A YEAR AND WAS WORKING ON INCREASING MY CREDIT SCORE. WE TOLD BY COMPANY ( SEEDFI ) THAT IF I PAID A CERTAIN AMOUNT BIWEEKLY I WOULD BE APPROVED FOR A {$500.00} CREDIT CARD AND IT WOULD INCEASE MY CREDIT SCORE ... .SO ABOUT LAST YEAR SOMETIME, I RECEIVED A CALLFROM XXXX  OFFERING ME A LOAN FOR {$1700.00} AND TOLD THE LOAN AND WAS TOLD I WOULD BE PAYING {$110.00} BIWEEKLY. WELL I STARTED TO STUGGLE MAKING PAYMENTS BECAUSE I WAS OFF DUE TO COVID LAST YEAR AND I JUST FINALLY TRIED TO SPEAK WITH SOMEONE ABOUT THIS. I WAS TOLD I COULD NOT REDUCE MY PAYMENT AND IF NOT PAID THEY THREATEN TO REPORT ME TO THE CREDIT BUREAU IF NOT PAID IN FULL. I HAVE SPOKE WITH SEVERAL PEOPLE ABOUT THIS ACCOUNT, I EVEN ASKED THEM TO LET ME JUST PAY OFF THE LOAN, THEY TOLD ME NO AND THAT I OWE THEM {$4200.00}, THEY SAID THE INCLUDES THE {$2500.00} THEY HAVE IN A SAVINGS ONCE I PAY-OFF THE TOTAL AMOUNT DUE. I AM SO CONFUSED AS TO WHY I OWE THEM SO MUCH. I DON'T WANT TO BE IN THE PROGRAM ANYMORE AND WANT TO JUST PAY OFF WHAT I ACTUAULLY OWE. PLEASE HELP.
Consumer complaint received 2018-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (FL)

Following a recent review of my credit report at the XXXX, XXXX and XXXX consumer reporting agencies, I learned that Chase Card ( account number XXXX ) was reporting delinquent 30 days when this was not the case. In fact, the account should report paid as agreed with no delinquency whatsoever. 

I contacted the creditor and was advised that the account would be updated and any prior delinquencies would be removed as said delinquency was no fault of mine. To date, this - apparently - has not been done and my credit score has been severely impacted. 

Please investigate my concerns and compel the creditor to correct my account with them. As an account holder since XX/XX/2004, I deserve more.
Consumer complaint received 2018-09-13
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. (OR)

My account with XXXX XXXX XXXX is reporting to the 3 credit Bureaus as closed. This account is Open and current. 

I had contacted the company they wanted my credit reports faxed to them showing that my account shows closed. I did that. I even disputed with all 3 credit bureaus and they updated my accounts to still show closed. 

This is violating all my rights under the Fair Credit Reporting Act
Consumer complaint received 2022-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (LA)

This unconfirmed account listed below continues to report on my credit report despite the previous written requests, in violation of federal law. I dated the previous letter I sent to the XXXX Credit Bureaus XXXX XXXX, 2022, but I never received a reply. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be validated ( A ). I will take legal action against you if you do not guarantee this account. Please follow the law so that this situation can be settled quickly. XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2018-09-13
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (DE)

I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/XXXX 30 days late as of XX/XX/XXXX 30 days late as of XX/XX/XXXX I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Consumer complaint received 2023-06-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: FIRST CITIZENS BANCSHARES, INC. (TX)

My checking and savings account with First Citizens bank  was closed without notification a few months ago and a check was sent to me for the remainder in my account. The problem is I was not notified of this and when I received a notice from the post stating I had a letter to pick up I did not make it a priority as I did not know a check was supposed to be arriving via post and so it fell to the wayside. I have contacted the bank multiple times to find a resolution and the most current suggestion as of XXXX was to leave a message for their investigator to determine the location of the check that might have been sent back from the post. I am missing XXXX dollars from this bank and they are failing to do anything to ensure I receive this in a timely fashion.
Consumer complaint received 2022-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

I ordered a copy of my report in XX/XX/2022 and I found out that credit reporting agency still indicate my dispute of information in my credit report. As of todays date, the Equifax to answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of XXXX XXXX I believe it was reporting in error.
Consumer complaint received 2022-07-08
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: BANK OF AMERICA, NATIONAL ASSOCIATION (LA)

Bank of America has repeatedly - 8 times- attempted to open a fraudulent line of credit in my name AFTER they have been contacted by me and told this was an issue of identity theft and I have filed complaints against them. Their only response is to tell me to keep my credit report frozen on all three bureaus. They are doing nothing to address the issue. Each attempt is a hard hit on my credit. Thankfully I have a fraud warning so these attempts get rejected but I still have to address it each time they attempt to open an account.
Consumer complaint received 2022-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

This is my 6th Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXXXXXX Date Reported XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Date Reported XX/XX/XXXX
Consumer complaint received 2020-07-31
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)

Someone in XXXX and Transunion credit bureaus keeps changing my address without my consent. I deposited the information 22 times. I filed two police reports. XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX,. XXXX XXXX XXXX, XXXX XXXX IS FRADULENT, XXXX/XXXX XXXX XXXX,. XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX,. XXXX XXXX, gave me two letters of release stating the debt wasn't mine XXXX and Transunion keep putting these fraudulent accounts back on my credit. These accounts called the credit bureaus with me but they said they can't do third party calls and hung upon us. This is how my identity is stolen 12 times in the last 20 years through Experian. 


My correct address is XXXX XXXX XXXX IL XXXX My name is XXXX XXXX XXXX XXXX My phone number is XXXX
Consumer complaint received 2018-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

Following a recent review of my credit report at the Equifax, XXXX and XXXX consumer reporting agencies, I learned that XXXX XXXX XXXX was reporting delinquent 30 days when this was not the case. In fact, the account should report paid as agreed with no delinquency whatsoever. 

I contacted the creditor and was advised that the account would be updated and any prior delinquencies would be removed as said delinquency was no fault of mine. To date, this - apparently - has not been done and my credit score has been severely impacted. 

Please investigate my concerns and compel the creditor to correct my account with them. As an account holder since XXXX, I deserve more.