davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL (NC)

I was just notified the Synchrony Bank Care Credit has submitted inaccurate information to my credit report. It states that I have a 30+ day late payment for {$1100.00}. This information is not true or accurate. I have reached out directly to Synchrony Bank Care Credit and requested that they remove this information they have not deleted it. I am trying to purchase a new vehicle because mine was totaled last week, and I am unable to do so because of this false information. According to 15 U.S.C 1681 law there should not be any inaccurate damaging information on my report. It is deformation and damaging to me. 

Synchrony Bank account number XXXX
Consumer complaint received 2022-08-29
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: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (CA)

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 2019-02-04
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: AMERICAN HONDA FINANCE CORP (FL)

Issue 1 : My son and I bought a car XX/XX/XXXX. My son made a payment before he went into the hospital on XX/XX/XXXX. Honda Finance never mailed the statement until XX/XX/XXXX. Contact Honda for a payment deferment cause my son had XXXX which put him out of work until XX/XX/XXXX. I asked for financial hardship and got hang up on XX/XX/XXXX then call on XX/XX/XXXX the representative was rude. I asked for supervisor and no responds. 

Issue 2 : I also notice that my income was boost up by dealership. My son wasn't working at the time and I was only one working. The dealer rep fraudulently boost the income and never asked for proof of payroll checks from my son nor me. My son told him he was employed and on leave of absence. His income should be XXXX. Honda Finance never asked for payroll checks either. Every Finance income I had asked for payroll checks before approving the credit application. The contract have no signature
Consumer complaint received 2018-04-22
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. (NY)

My account was reported as past due, however, I was approved for a forbearance after speaking with lender. The same is not shown on my credit report. I am requesting that this correction be made to my report as it is affecting my positive payment history and creditworthiness. 

Towards that end, I am also befuddled as to how this account is being managed. I have not received any correspondence from lender nor telephonic communication efforts. Had the same been given, I would have gone ahead and either made payment or requested a timely forbearance. It appears that lender is disinterested in collecting and more with affecting my creditworthiness. 

I would like to reach a resolution with lender as they said would mark my report as in a forbearance, however, they not reflected same in my credit report nor have they provided any documentation/ notice of the forbearance following my phone call with them.
Consumer complaint received 2019-07-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (IL)

I signed an agreement to have my account debited for flex payments ( twice per month ) but come to find out, they set me up for monthly ACH which I did not agree to at all. In addition to this, I sent an email inquiring about my ACH set up and no one followed up. In addition, I also asked how to add an authorized person on my account and again, no one replied. The form was received because they debit my account.
Consumer complaint received 2019-02-04
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: EQUIFAX, INC. (NJ)

I have a serious problem with Equifax because they are not reporting any of my accounts on my report also they are not reporting my credit score. I try multiple times sending letters notarized by a notary about existing issues and they are not doing anything about it. I need these accounts to be shown and my credit score on my credit report as soon as possible, the accounts are 1. XXXX XXXX XXXX Open date is XX/XX/XXXX 2. XXXX XXXX Open date is XX/XX/XXXX 3. XXXX XXXX XXXX Open date is XX/XX/XXXX 4. XXXX XXXX XXXX Open date is XX/XX/XXXX All four accounts reports to all three credit bureaus, so please let Equifax know that they need to put these accounts on my credit report because this is a defamation of character
Consumer complaint received 2019-02-04
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (NJ)

I have a serious problem with XXXX  because they are not reporting any of my accounts on my report also they are not reporting my credit score. I try multiple times sending letters notarized by a notary about existing issues and they are not doing anything about it. I need these accounts to be shown and my credit score on my credit report as soon as possible, the accounts are 1. USAA SVG BK Open date is XX/XX/XXXX 2. XXXX XXXXXXXX Open date is XX/XX/XXXX 3. XXXX XXXX XXXX Open date is XX/XX/XXXX 4. USAA SVG BK Open date is XX/XX/XXXX All four accounts reports to all three credit bureaus, so please let XXXX   know that they need to put these accounts on my credit report because this is a defamation of character
Consumer complaint received 2019-02-04
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: CITIBANK, N.A. (CA)

XXXX XXXX not resolving the problem over the phone they say one thing then their automatics phone say totally different I dont know why there is a balance when I returned everything They made me past due and keep charging me late fees This is a puer fraud and XXXX off I will not be cheated if they reckon my credit file I will file a law suites
Consumer complaint received 2019-01-23
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (MD)

On XX/XX/19, I received a total of 38 calls on my mobile number, along with 24 calls to my familys my members home phone number, and they had repeated told comenity that I was not living there yet repeatedly called. They also were very rude and gave them my personal info. In regards what the matter was for.
Consumer complaint received 2018-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

There is an address on my credit report that I have never lived at that the credit bureaus will not dispute or allow a dispute of. I am demanding this address be removed from my credit report as the credit bureaus are in violation of the Fair Credit Reporting Act : XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, NY XXXX
Consumer complaint received 2020-06-05
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. (MD)

EXPERION has been committing fraud by generating information that has no source. And manipulating the credit score factors. To decrease scores of many consumers and not only myself. Can someone fix or investigate The coding of the score factors? Ive made over 4000 attempts in between XXXX and XXXX to have this corrected. And rather than remove it they replace it as shown in the attachment Which I have placed an order. Im custom explanation for each of the 10 attachments. What is the law in the state of Maryland grants me. The free credit report an act Also grants me {$10000.00} per every 28 days that the credit bureau report affect my life negatively. That I will be pursuing with a lawyer. Because enough is enough. I will be showing this letter to my attorney general if Maryland and to every media outlet in the XXXX.
Consumer complaint received 2023-01-26
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: Regional Management Corporation (NC)

I am a consumer law attorney in XXXX, NC. Regional Finance Company absolutely refuses to engage with counsel regarding accounts that it has filed complaints to recover money owed. They say that their company policy is not to speak to any third parties, including attorneys. This makes my job as a consumer advocate impossible. My clients have the right to be represented by counsel when a creditor files a legal action against them - even if it's in small claims court. Regional Finance Co can not just refuse to engage with counsel. My only option is to appeal every small claims judgment to district court so that Regional Finance Co will have to retain counsel to participate in the legal process.
Consumer complaint received 2020-08-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (OK)

On XX/XX/XXXX National Credit Systems opened a collection action against me in the amount of {$950.00}. NCS reported to all three credit bureaus that XXXX XXXX XXXX  is the original lender. The invoice by XXXX XXXX to me was not a loan, but rather charges for damages to an apartment I rented for 15 years. The claim of damages was for smoking in the premises which was not dissalowed. 

I disputed the charges with XXXX XXXX, National Credit systems, and all three credit bureaus stating that this was not a recurring payment, a loan, or a charge permitted under the rent agreement between myself and XXXX XXXX. In the only telephone conversation with NCS, I stated that this charge was a contract dispute, I would not pay it, and would welcome any lawsuit against me to collect the charges. NCS stated they would not pursue the matter further, but reported the uncollected charge to the three major credit bureaus. I also requested to XXXX XXXX to sue me in court, but they have not done so. 

NCS inititially reported this unsubstantiated charge five times to XXXX between in XXXX according to XXXX  records. NCS has also just recently reported it again in XX/XX/XXXX to XXXX, and XXXX has reported it again as a late payment. According to credit laws and regulations, this is not allowed as this is not a recurring payment as explained above. 

My filings with the three credit bureaus stated that this charge was a contract dispute with XXXX XXXX and not unpaid rent or any other recurring charges, but all three credit bureaus replied to me that they had validated the charge. Their " validation '' would require them to make their own legal opinion of fifteen years of contracts, contract amendments, apartment rules changes, grandfather clauses in the contract, and XXXX XXXX managements to me acknowledging that smoking was acceptable under my contract terms. 

The deragatory negative reporting of this charge by the three credit bureaus without a proper validation process of a contract dispute leaves the door open for abuse to me by XXXX XXXX and National Credit Systems. This matter can only be settled by a court of law and should not be allowed to be reported as a derogatory account on my credit reports. I can not bring a lawsuit in small claims court since I can not show a monetary loss or expense. XXXX XXXX or NCS will not sue me as they both know that they do not have the contractual basis to charge me the {$950.00}. A court could rule on this matter in 30 minutes, but XXXX XXXX and NCS has chosen in malicious behavior instead. And the three credit bureaus should not be able to list this on my credit reports based on their delinquint and abbreviated " validation process ''
Consumer complaint received 2020-09-15
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Santander Consumer USA Holdings Inc. (IL)

On XX/XX/2020 my vehicle was repossessed by a third party which violates my rights as a consumer and also is illegal because I never gave consent to XXXX XXXX XXXX to have my location information. Prior to this day I have sent numerous complaints to the company, Santander Consumer USA, my last correspondence includes an affidavit of truth that has not been rebutted line for line.
Consumer complaint received 2020-12-17
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)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2000.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2000.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- STUDENT ACCOUNT 3. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2023-01-26
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY (PA)

Received letter dated XX/XX/2023 From Wells Fargo NA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX. Subject : Decision about your credit card application # XXXX. Person was applying for XXXX XXXX XXXX credit account. Application was denied : unable to authenticate identity of applicant. After reviewing my credit report hard inquiry was done on XX/XX/2023. This was not me and I am concerned that my identity was used.
Consumer complaint received 2023-01-26
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. (AL)

Do to my understanding it was false information on my credit report that Equifax XXXX an XXXX credit report agency place on my credit report with proving IDENTIFICATION card an PROFF of incorrect information due to identity theft incorrect address I'm correct name an my data was expose due identity theft requested everything be removed from my credit report due identity theft
Consumer complaint received 2022-09-02
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. (TN)

Inaccurate information reported. The loan is not delinquent. The company website did not allow me to update the banking information. I attempted several times via email through their customer service. There is not way to reach by phone and the website is frequently not working.
Consumer complaint received 2023-01-26
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. (AL)

Do to my understanding it was false information on my credit report that XXXX TransUnion an XXXX credit report agency place on my credit report with proving IDENTIFICATION card an PROFF of incorrect information due to identity theft incorrect address I'm correct name an my data was expose due identity theft requested everything be removed from my credit report due identity theft
Consumer complaint received 2023-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

XXXX sent letter to Equifax XXXX sent letter to XXXX Equifax, XXXX, and XXXX are all showing a Hard Inquiry from a Company XXXX XXXX, for XXXX XXXX XXXX. I don't know who this entity is, and have never done any business with them, nor do Ihave no accounts with them. I sent letters executing my XXXX rights under the FCRA to Equifax, and XXXX. I Have called XXXX, Equifax, and XXXX multiple times asking them to please remove this from my credit report. Every time I ask them kindly on the phone to remove the inquiry they tell me its not my right to do this, and that I the consumer need to call the company reporting this and fix the problem. I do not know who this company/persons are. It is the XXXX XXXX XXXX who must report accurate information. Now I have an inquiry on my report that looks like i was shopping for houses when i was never in a position to do this. I don't know how this was ever disputed found as fact correct. I feel like the Bureau 's are taking advantage of my XXXX rights when they are not protecting me, the consumer. They just take XXXX XXXX 's word. I guarantee they have not sent any contract or paperwork with my signature proving to the Agencies that this is factual.
Consumer complaint received 2019-09-18
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (NY)

My complaint was about the Quicken Loan Inc.A single home in four unit residential properties that the land lord was occupied or living in that four unit residential housing.actually they made that transactions w/out nothing concerning me from shopping to closing period.Ive never saw some documentary or copy of agreements? HUD and HELOC knows what Im talking about right! Im a victim of Identity theft being nightmare on elm street.How you can help me for this kind of hiding transaction or documents agreement that was I supposed to be have copy!
Consumer complaint received 2017-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: AMERICAN EXPRESS COMPANY (CT)

I fill out the application for credit card and was denied because I have good credit. Sun, XXXX XXXX 2017,  american express denied me for credit card and place an hard inquiry to my credit report which lower my chances to reapply and get approve.
Consumer complaint received 2019-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (MA)

Good Afternoon, I have for many years been writing and calling ect. I have not been able to resolve this. When i go to get my credit report checked for an apartment or a car it shows 8 to 10 closed accounts since XXXX. I am in good standing with my loans for a long time now with a XXXX XXXX. I been denied for many years because it shows all account on as closed and all i want is it to be removed. I recently just disputed them once again and now they are going to stay on my report til XXXX which i find is unacceptable. I have written letters to all creditors one by one 2 years ago no response. I have also called them as well and no one can seem to help me. I am also working with Massachusetts attorney general because the school i have attended was shut down for where these loans were used for and i have been struggling for years to clear this off my report and i feel helpless now. I would like to see if i can get help to solve this for my future and my family as well. Please i would really appreciate this so much. 

Thank you Sincerely, XXXX XXXX
Consumer complaint received 2022-09-02
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)

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 719XXXX has me at a score around 590. 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 year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.