davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

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 XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2018-08-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Transunion is reporting that my payment for a HELOC account with my local Credit Union is 60-89 days late. There is a {$0.00} balance on this account, meaning that I owe no money, and I have never missed or been late for even one payment. This is reflected in correctly Transunion 's own " Payment History '' of the account, yet they have it flagged as 60-89 days late for a payment that is not due because the balance is entirely paid off. I opened a case with them, that they then closed and did not correct the error. 

NOTE : none of the other bureaus are having trouble reporting correctly on this account.
Consumer complaint received 2022-07-12
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. (FL)

Dear Equifax and XXXX, I take no pleasure in writing this complaint. I am really not the type of person to complain at all. I am just trying to fix my score so I can Purchase a car to get to the VA. My complaint is that you have the one collection from XXXX XXXX on my Credit Report with the wrong amount due. I do not owe them {$550.00}. The Credit limit was only {$250.00}. You and I have not been provided Itemized charges adding up to {$550.00}. Also, I demand that you remove that second late payment listed on my Credit report. Late payments are 35 % of my score and I pay everything on time. I have never owned that collection from XXXX and have Not agreed to any kind of payment. Please remove those late payments!! I am not making a threat, but I believe that my state Attorney General and the Federal Trade Commission should be involved. You are the only Credit Reporting agency listing late payments. I am disputing everything about XXXX XXXX. How can I have a late payment when I never claimed ownership. You are the only Credit Reporting agency that wont let me use my online account that I have always had with you Equifax. You play XXXX  and I demand that you delete the late payments ASAP
Consumer complaint received 2022-07-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (GA)

XX/XX/22 I bought a new truck in XXXX my score wasn't the greatest my bank advised me to get a XXXX so I didn't it's an XXXX XXXX by Chase had a $ XXXX limit I've been using it and paid it off each month last month was like {$1000.00} this month was {$1200.00} I got an email on Sunday from credit bureaus saying my score dropped XXXX points I paid the amount as usual before due date so today I called Chase explained to them I only have the card to increase my score y'all allowed the limit to run over but I paid it y'all still docked my score XXXX points they increased my limit to $ XXXX but I want those hit on my credit fixed I do not feel it is fair
Consumer complaint received 2017-12-22
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: GREAT LAKES (IN)

In efforts to have made payments on my student loans and having a degree that I can not use, I would like to petition my student loan debt. 

Having attempted several different times to take care of the student loan debt I incurred to obtain a degree I can not use, I am petitioning to have my student loans cancelled, forgiven, and or discharged. 

It is my understanding that XXXX has been under investigation for several issued and I believe that XXXX not only failed to provide proper counselling to me on the student loan debt I incurred but that they also contributed to the amount I owe by charging loans to me that I did not authorize. I am seeking relief from this debt as I have been unable to pay due to the many factors I explained above. 

The reason it has taken me so long to reach out for more help is my father XXXX XXXX in XX/XX/XXXX and at the age of XXXX, I no longer had a home and moved back to my home state to try and survive and as a young adult I had no idea where to turn on this matter. My aunt has now helped me do research and try to see what we can do to resolve this situation. 

I received grants, scholarship money and educational assistance money that was paid to me from the Department of Veteran Affairs and I paid to the school. As you see my XXXX contract it states the most my XXXX degree would be was {$46000.00} and this amount was before my grants, scholarship loans and educational access money from the Department of Veteran Affairs. When I graduated XXXX sent me a letter dated XX/XX/XXXX that I had approximately {$15000.00} in Subsidized Loans and {$24000.00} in Unsubsidized Loans with a total being {$39000.00}. It appears that loans was taken out when I did not need them and that none of my money was applied. My loans was supposed to be consolidated but yet I still get bills from multiple places and the total is over {$100000.00}. I have read many articles that XXXX would take out loans under the students names to pay the schools debt. The school is closed so I am not able to get any of my records besides the ones I have included. 

Your assistance and help resolving this matter will be greatly appreciated. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-07-12
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CURO Intermediate Holdings (CA)

Per document sent XX/XX/2022. I XXXX XXXX did not ask for any validation of any debt nor did I request the alledged contract. The document was that Ad Astra Recovery services infringed on my rights to privacy with no consent from me XXXX XXXX. Again please read the notice fully and about rights to privacy and UCC9 -109. Your in clear violation of privacy and privity to contract and if you continue to disregard this matter you will have to settle this in arbitration. Please forward this letter to your Registered Agent for services.
Consumer complaint received 2022-07-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MARINER FINANCE, LLC (IL)

I've tried several times to get information to verify this debt. I have been getting the run around for almost a year about this debt. They have responded with templates from their company not actually acknowledging my concerns. I am displeased with how I am being treated and according to the FCRA you have to send me information verifying this debt. Please delete this from my report.
Consumer complaint received 2022-07-12
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. (NC)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX ; XXXX XXXX XXXX Account # XXXX, Account # XXXX, # Account # XXXX have 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 2023-04-06
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CITIZENS FINANCIAL GROUP, INC. (FL)

In XX/XX/2020, the vehicle was stolen. The lending loan company or bank Citizens Bank was notified. After a few weeks the vehicle was located but unfortunately at that time due to work being an hour away from my home I had to purchase another vehicle. Due to the fact I couldnt afford XXXX vehicles I had Citizens pick up the vehicle. The vehicle was worth more than XXXX they sold the vehicle for $ XXXX and request I pay the remainder which is completely inhumane being that this all occurred due to unforeseen circumstances. As a disputed this with credit bureaus showing the police report it didnt correct anything except show that I have been attempting to make payments. But Im really in a hardship and discuss this with citizens but theres no one who can help me.
Consumer complaint received 2022-07-10
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. (FL)

I XXXX XXXX, have accounts that are reporting wrong and incorrect information. I have tried relentlessly to remove these errors from my credit report with the original creditor and the credit bureau 's, however, I have been unsuccessful as the credit bureau 's and original creditors have been violating federal law! The account from XXXX with the ACCOUNT # s XXXXXXXX & XXXX are reporting late payments that are incorrect. According to 15 U.S. Code 1666b- Timing of Payment XXXX , XXXX , AND TransUnion ARE BREAKING THE LAW. Pursuant to subsection ( A ) A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I, XXXX XXXX, did not receive a periodic statement 21 days before my account was going to be late which is a violation of federal law. Additionally, a creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose. I have attached a copy of the law to this document. I demand the late payment ( s ) be removed from the following account ( s ) immediately. XXXX # XXXX XXXX and XXXX.
Consumer complaint received 2023-03-21
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. (FL)

In according with the fair credit reporting act XXXX XXXX XXXXXXXX XXXX account XXXX : XXXX has violated my rights. 15 U.S.C. 1681 Section 602 ( A ) states I have a right to privacy. 15 U.S.C. Section 604 ( A ) Section 2 states consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 1666 ( B ) A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. I opened this account in XX/XX/XXXX. I paid in full and requested by phone to close credit card account. Due to incorrect billing by XXXX. Experian is reporting XXXX late payments on this closed account as of XX/XX/XXXX.
Consumer complaint received 2018-11-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, This is ridiculous and inaccurate. My insurance carrier stated that they rectified these accounts, and said you can not collect debts twice. 

no contracts exist ... grave errorsfalse claim and reportingI want these accounts removed immediately or litigation may follow.

Please validate this information and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification.

You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..
Consumer complaint received 2017-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: ID Analytics, Inc. (AL)

I purchased a car in XX/XX/XXXX And I got turned down from XXXXXXXX XXXX. They said my XXXX credit score was a XXXX. But they listed a company I have never heard off called sagestream Llc. They are stating my credit score is a XXXX. My question is who is this company I have never heard of them and why would my score be 141 points lower with them than the big 3 banks use. This credit company maybe me get turned down for a loan that I should have easily been approved for.
Consumer complaint received 2018-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (SC)

My name is XXXX XXXX and I have attempted to unfreeze my credit with experian for over a month. I have sent them all documentation requested, and in return they do not answer their phone, emails or correspondence. I received a copy of my credit report with information that i requested a security alert. This is a total lie. Experian is holding my credit report hostage and will not unfreeze my report. 

I am trying to apply for a mortgage loan, and can not until my credit is unfrozen. XXXX and XXXX both unfroze my credit. 

these are the papers i received from them. I tried to log in with the report numbers, and it will not let me do this. 

I will lose XXXX dollars of earnest money if I can not get credit unfrozen. 

I sent everything to them as well as certified mail, over 10 days ago. 

These people are ACTING UNETHICALLY, AND THE FACT THEY DO NOT ANSWER THEIR PHONE, SPEAKS VOLUMES. THEY ARE FORCING PEOPLE TO BUY THEIR PRODUC T. THIS IS WRONG, AND THE GOVERNMENT NEEDS TO PROTECT US AGAINST THIS UNFAIR BUSINESS PRACTICE., They need to be stopped.
Consumer complaint received 2018-11-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (IL)

I have a mortgage with Ocwen and I believe that I have paid more into this mortgage then is required to be paid in full. I have had the same loan on this house since 1998 and believe it should have been paid off by now. Is there a way to find out if my payments have been applied properly by this company?
Consumer complaint received 2018-11-15
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Problem with customer service — 
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

Recieved a check for a refund for XXXX from portfolio recovery associates dated XXXX 2015. Lost the check. Found the check. Called them to have them reissue the check and they are refusing to do so.
Consumer complaint received 2017-11-14
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. (FL)

I bought a house in XXXX 2017. Within 3 months I started shopping for a refinance mortgage company to re finance my home. form XXXX to present date I have contacted at least 17 mortgage companies with no success in refinancing m home. Each time I contact a mortgage company all 3 credit bureaus are list them as hard hit. Another inquiry is added to my already my already spiraling downward credit report. I was made aware of the info that CFPB has relating to Mortgage Bureau 's protocol within the Credit Bureaus Reporting practices on Mortgage inquires. The article says and i quote " You can shop around and get multiple preapprovals and official loan estimates. The impact on your credit is the same no matter how many lenders you consult, as long as the last credit is within 45 days of the first credit check. Even if a lender needs to check your credit after the 45 day window is over. Shopping around is still worth it. The impact of an addtional inquiry is small, while shopping around for the best deal can save you a lot of money in the long run. ''
Consumer complaint received 2018-11-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (FL)

Several years ago I had 2 charges on the checking account. I reported this and ALL of my Citi accounts Checking, savings and cards were blocked. I had to reset up my passwords and sign ins for security. The issue was I was paying on a closed Citi account # XXXX. I was told that I could not have a sign in because I no longer had a credit card to complete the authentication process. I was told I could manually call in if I wanted to pay any extra payment amount other than my minimum payment. They can set up another amount but I only know month to month what I have extra to reduce the amounts that are due. I can not manage my card as all other Citi card customers can because they do not have an alternate process to allow me to authenticate. I have been paying for years and my payment only covers interest and a small dollar amount for principal. I am not able to manage my account so I can pay my debt off quicker as any other Citi customer. I have called on this and I always get the same response. We can not help you. I do not believe this is fair and I am being charge thousands of dollars in interest over the last years because I am not able to manage my account so that it is advantageous to me.
Consumer complaint received 2018-11-15
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: I.Q. DATA INTERNATIONAL, INC. (OK)

I sent a cease and desist letter to IQ Data International about debt I am disputing Through the XXXX XXXX XXXX. Now they are calling 10 times a day and hanging up on me. They called my wife at her place of business and hung up on her four times. One time they simply asked where she used to live and hung up. This debt of {$300.00} involves a fraudulent billing practice where XXXX XXXX XXXX XXXX XXXX overbills clients for cleaning charges -- -charges they expense using in-house labor ( tax fraud ) they are also claiming we owe rent when we gave 30 days notice as required by Oklahoma law and were current on our rent when we moved out. It should be noted the apartment sent this directly to collections without sending us a bill.
Consumer complaint received 2022-07-10
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. (VA)

There are items on my XXXX and XXXX reports that are in accurate. There are duplicate items ( violation ) and companies that are being reported as debt that I do not have a contract with. Please remove these items. If you are able to verify these items please send me the documents that you used to verify these items. I am requesting this for the second time in an informal matter. If you can not verity and send me proof, please remove the Items to prevent further steps on my behalf. My address is included in the letters attached.
Consumer complaint received 2018-11-15
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: PNC Bank N.A. (NJ)

PNC Bank ; Personal Checking Account ; Monthly Fee Issue. 

I have signed up a checking account at PNC with work banking relationship. I was told the only requirement to have to waive monthly fee is to have a minimum balance of XXXX. I always have met the requirement. On XX/XX/XXXX I was charged the fee, by calling the customer service rep on XXXX I was able to get the fee refunded. In addition, the rep confirmed it was caused by a system error, and as long as I keep XXXX I will not be charged. 

Fast forward to today ( XXXX ), I logged my online banking and I have found out that I was being charged by monthly fee on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX with {$15.00} each. I called the online banking department and explained my concern. The rep was able to refund me one fee of {$15.00} and told me I was given wrong info and they can not refund me other 3 fees totaling of {$45.00}. 

Subsequently the rep helped me to switch to a different product which only need {$500.00} average balance to waive monthly fee. Please see attached pic of all the transactions.
Consumer complaint received 2018-11-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BB&T CORPORATION (PA)

On XX/XX/2018 I went to a branch at BB & T to STOP the authorization of Overdraft Protection. I signed all necessary paperwork and still have not been unenrolled in this program. It has cost me {$300.00} worth of fees in 3 three months.