davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (VA)

Upon trying to get a vehicle loan I found out that USAA was reporting a charge off on my credit. So I called they ran me around then said a unpaid fee was on the account and would be backdated to the payoff I made in XXXX of XXXX. I have spoken to them in social media they say they would correct and back date. They have n't I have contacted them directly they said they would back date they have not. Then I contacted they BBB and they contacted usaa said it would be back dated now they whipped the reporting of XXXX and XXXX but left a failure to pay mark for XXXX XXXX on my credit. I need resolve and this fixed right its is hurting my credit bad as history is 35 % of a credit score.
Consumer complaint received 2017-06-21
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. (OH)

XXXX often does n't remove negative items from credit report and are old inaccurate outdated information outdated inquiry which are hindered me from getting credit and increasing my credit score.
Consumer complaint received 2021-08-13
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (WI)

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I like im being take advantage of and being ignored of my disputes. Section 611 ( a ). Its plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or t will file a litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hand of the wrong person.
Consumer complaint received 2017-06-21
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. (NC)

To whom it may concern : I mailed a certified letter about unauthorized multiple inquiries on XXXX XXXX, 2017 to dispute information, regarding over XXXX hard inquiries for XXXX XXXX for XXXX and XXXX for TransUnion that was placed on my credit reports. They received the letter on XXXX XXXX, 2017. They completed the request XXXX XXXX, 2017. The request I submitted was over XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX ( TransUnion ) hard inquiries that were not factual and I received the same response, that inquires are factual and can not be disputed. But according to the FCRA rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do n't investigate and respond, the CRA must delete the disputed information from the files. The fact that I received a response in 7 days after they received my letter, one can assume that there was no investigation. A fraud alert was place on my credit file, I then called XXXX to see why the dispute was not investigated, they told that they dont investigate inquires, I said but I have a Fraud alert on my file, they told me that even if I am a victim of identity theft that they still can not remove inquires. I have not contact XXXX or TransUnion fearing I will get the same response. I am submitting this complaint due to lack of investigation into my original dispute for hard inquiries being removed that does not belong to me. I did not sign for anything! This is unfair practices by a credit reporting agency with no concerns for the credit worthiness of a consumer.
Consumer complaint received 2021-09-09
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: OneMain Finance Corporation (CA)

I contacted this companies that claimed I applied for credit with them which I havent. I havent even started my credit at all. I called so they could dispute or take that off my credit they were really rude about it and unprofessional. At this point I dont know what to do because XXXX cant even take out no credit card due to having bad credit because of them. XXXX XXXX is one of them I have never gotten no credit card with them and they claim I owe them when I dont.
Consumer complaint received 2020-06-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (FL)

The ONLY way Im able to access PPP funds is to link my PNC account to my XXXX  account I keep getting the same error that XXXX  wont let me connect to PNC due to whatever security block you have Ive tried manually linking my accounts and it doesnt work either PLEASE explain how Im supposed to be able to get my PPP loan money from XXXX  to you so I can access it.
Consumer complaint received 2017-06-21
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Unifirst Mortgage Corporation (MD)

On XXXX XXXX 2017 I had spoken with Unifirst Mortgage. I had clicked on preapproval on the XXXX Application. I was contacted by XXXX XXXX via phone call by their office. It was at that time I expressed I was only looking to see if we, my husband and I could even get a preapproval. I had zero understanding on the process and expressed this. I was charged a fee to go foward with submitting an application. I was told we would have to get a FHA loan. I later found out with my husband from a local company we are actually able to get a USDA loan, which we are going foward with. I contacted Unifirst to get my money back and was told the payment was actually for a credit analysis. This was not what we was trying to do. We only followed instruction by the loan officer 's at Unifirst, thinking this was an only option. We found out again, this was wrong. I felt uncomfortable at the time paying for an application and am still upset over the fact, that I was dismissed and no further contact was given after I requested for the refund.
Consumer complaint received 2022-09-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

I was approved for a {$200.00} " Platinum Secured '' credit card from Capital One in XX/XX/2021 to improve my credit. My credit has improved to the point where Capital One approved me for a {$3000.00} unsecured card this month. I called to ask about releasing my deposit and was first told Capital One never converts unsecured cards to secured cards. I was then told that they actually do convert them, but customers can't ask for this, Captial One just does it when they feel like it. This appears to be a scheme by Capital one to hold on to the liquid assets of people looking to improve their credit. XXXX also approved a secured card for me, but they have a clear path lined out towards getting your deposit back. Anyone looking to improve their credit should look to another bank than Capital One because they'll hold on to your money for an indeterminate period of time even when your credit does not indicate a level of risk that would necessitate a secured card.
Consumer complaint received 2022-03-10
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NC)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2017-06-21
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: MRS Collections LLC (PA)

We are currently behind in our sewer and have been working to pay off our balance. The employees that work for Modern Recovery Solutions are rude and impossible to deal with. They told us they placed a lien on my property and that is not true. I verified this information w ith our county re corder of deeds. They are also threatening to shut off the water to a house we no longer live at. The water is no longer in our name and closed. They told us that we have to apply for a loan and provide a denial letter to be eligible to make payment arrangements. We can not afford an inquiry on our credit just to prove that we can not get a loan to make payments. How is that even a legal request to make a consumer apply for a loan to be able to make payment arrangements?
Consumer complaint received 2017-06-21
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (GA)

I saw that the CFPB now has a class action lawsuit with Navient which used to be XXXX XXXX. I am co-signed on my wifes loans that started off as XXXX XXXX, both private and federal. The loans, switch to Navient, and during a time of financial hardship, I called in to see what my options where. At that time I was pushed to basically defer my wife 's loans over a period of time, and told I was still encure interest but no payment would take place. I see this is exactly what the lawsuit it for and wanted to make note that it has happened to me and my wife.
Consumer complaint received 2021-03-24
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: MERCANTILE ADJUSTMENT BUREAU, LLC (TX)

Hello, upon checking my report i notice i received a drop in my scores due to this account being added to my report. I have tried to contact them to send me validation with my signature for this debt which they failed to send me this is hurting me from rebuilding my credit. I am requesting that they remove this account immediately from the credit bureaus.
Consumer complaint received 2017-06-21
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. (NC)

To whom it may concern : I have filed 3 disputes just this year with Equifax, and 2 disputes with XXXX  and XXXX, about XXXX XXXX XXXX. XXXX has not validated this account with me ; I have sent them 2 certified letters and 1 fax with no response so how could this account be validate with any of the credit bureaus. On XX/XX/XXXX I sent a fax to all 3 credit bureaus only to receive an e-oscar response 10 days later stating that anything reported on my credit will stay 7-10 years. Then I sent a second letter to Equifax on XX/XX/XXXX on with the same response 10 days later. The fact that I received a response in 10 days after they received my letter and fax, one can assume that there was no investigation. I have not heard from XXXX  or XXXX and its well past the 30 period. I am submitting this complaint for Equifax due to lack of investigation into my original dispute and to XXXX and XXXX for not responding within the 30 day time frame. This is unfair practices by a credit reporting agency with no concerns for the credit worthiness of a consumer.
Consumer complaint received 2017-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Under the new law effective XXXX XXXX, 2017 any public record data must include name and address as well as SSN or DOB in order for this to appear in your credit file. The Credit Bureau has not updated the information and per the new law true bankruptcy listed does not include this information and should be deleted from my credit report.
Consumer complaint received 2021-09-09
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: ENOVA INTERNATIONAL, INC. (TX)

I have repeatedly emailed Netcredit and sent a screenshot from Netcredits terms and conditions where it clearly states that if an account is created it can be closed. I created an online account before I was denied. I simply asked them to close the account and deactivate it. It has nothing with any database deletion So I have simply asked that the account created and tied to this email that I am emailing from be closed. That has NOTHING TO DO WITH ANY DATABASE!

Not to mention, in the Equal Credit Opportunity Act only states that they have to keep my information in their database for 25 months, NOT FOREVER! 


CFPB link : XXXX XXXX XXXXXXXX Copy and pasted response from NetCredit. 
On XX/XX/2021, at XXXX XXXX, XXXX wrote : Thank you for choosing NetCredit, America 's trusted online lender. 

This email is to confirm that your concerns have been reviewed by our Final Resolution Team.

After a careful review of your account and information available to us, our records indicate that you raised concerns that you wanted your information to be removed from our database. 

After further review, we regret to inform you that due to the XXXX Equal Credit Opportunity Act, we are required by law to retain a record of any customer information submitted to us as well as the status of each application received. 

Our records indicate that we have processed your request to opt/out your account and a email was sent XX/XX/2021 advising you of this information. In addition, NetCredit will not share your personal information with any affiliates and non affiliates of NetCredit. Rest assured that we take data security and privacy very seriously and safeguard all information that we obtain. 

If you have any questions or concerns, our customer support team is available seven days a week to help answer all your questions via phone, email or online chat. 

NetCredit Customer Support Team Phone : XXXX Email : XXXX www.netcredit.com
Consumer complaint received 2017-06-21
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. (KS)

On XXXX XXXX XXXX, I submitted a letter to XXXX to have a bankruptcy removed from my credit report. In that letter to them I request an investigation into the matter and provide me with any and all documents bearing my signature for said public records on my credit report. I informed them if they were not able to do so the file under the public records of my credit report must be deleted immediately in accordance with the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ). Equifax sent an email on XXXX XXXX XXXX in response to my dispute of the said information above. Stating the information in my public records was verified through XXXX and not the State or Federal Court from which they have stated under the public records. This is in violation of Federal Credit Reporting Act, Section 623 ( a ) ( 5 ). I am requesting your assistance in getting this resolved and have my credit report accurately reflect my credit records.
Consumer complaint received 2021-09-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (PA)

I have been in communication with XXXX regarding an account that does not belong to me. I have received documentation from XXXX stating that they were not able to verify the debt and have asked for the 3 Credit Bureaus to delete from my credit report however the credit bureaus have not deleted it as of yet.
Consumer complaint received 2017-06-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (PA)

Company has repeatedly mismanaged {$430000.00} of my loans. Multiple IDR recertification requests were mismanaged or not accepted in time. Further with their delays, the forgiveness date is going farther into the future. The loans should be forgiven in  XXXX   XXXX , but because of their errors, the dates are in late  XXXX  and in  XXXX . Recently, I have been calling them to confirm IBR re-certification, but no one has called me back. Supposedly, "  XXXX  '' is going to be the person managing my account but I have not heard from him in over 6 months. I spoke to  XXXX  on  XXXX   XXXX ,  XXXX , ID  XXXX . He said my  IBR  recertification paperwork " should be '' accepted though it is not yet. He is not sure why it is takin g 3+ we ek s. ( Mind y ou, the paperwork is literally  XXXX  sheets of paper! ) He tried to get  XXXX  to talk to me initially, but  XXXX  was away from his desk.
Consumer complaint received 2017-06-21
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: APPLE FINANCIAL HOLDINGS, INC. (NY)

I have had bank accounts at Apple Bank for over 20 years. out of no where they said they were uncomfortable with some of my deposits and withdrawals. I am in the XXXX XXXX and have many inflows and outflows of cash. Also, I like to play dice at various casinos. They said they were uncomfortable with my deposits of {$8500.00} in cash and questioned a bank check that I had gotten for a purchaase of a horse for {$29000.00} made payable to the former owner of the horse. I felt like I was targeted and was emabarasedd in the bank after going there for the longest time. I had no recourse. All I was told was that this was a decision by the internal audit department of Apple bank and was not a branch decision. Who are these people? the XXXX XXXX XXXX, they make these decisions and you ca n't speak to them or defend yourself?
Consumer complaint received 2022-02-16
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. (MI)

My name is XXXX XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. This complaint to Experian was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be updated from my credit reports. They neither saw nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me correct the concerned items for they were found erroneous and inaccurate. 

XXXX XXXX XXXX XXXX Balance {$6500.00} DEPT OF EDXXXX XXXX Balance {$1900.00} Date Opened : XX/XX/XXXX DEPT OF EDXXXX XXXX Balance {$2100.00} Date Opened : XX/XX/XXXX DEPT OF ED/XXXX XXXX Balance {$1300.00} Date Opened : XX/XX/XXXX DEPT OF ED/XXXX XXXX Balance {$820.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Balance {$700.00} XXXX XXXXXXXX XXXX XXXX Balance {$9500.00}
Consumer complaint received 2022-03-29
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. (TX)

This letter is in regards to some misinformation reported currently on my credit reports. I would like these items deleted immediately. I have a fraud alert on all my accounts so i dont understand why or how this is still happening. i am a victim of identity theft and i have asked these credit agencies to delete these items and they are still there. i have enclosed a copy of my identity theft affidavit. please delete these as soon as possible.
Consumer complaint received 2017-06-21
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP (CA)

I have 5 checking accounts w US bank and I received a 10 day notice they were closing all my accounts and would not give a reason. No checks were ever bounced. I will not get my social security check which I desperately need.