davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

The credit bureaus showing incorrect payment history i had made all payments on time but on the report it shows XX/XX/2019 late payment i need to correct this information since its effecting my life i am in process to buy a house this late payment is holding me back.
Consumer complaint received 2020-05-18
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Reliant Capital Solutions, LLC (PA)

Thank you for addressing my concerns. 
XXXX  XXXX College college continues to use aggressive along with scare tactics to collect a debt. The Representative refuses to disclose name and location. As the conversation continues, the company uses harsh tones, wants payments up-front, and continues to compromise my credit score along with creditworthiness.
Consumer complaint received 2020-10-21
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: BARCLAYS BANK DELAWARE (CA)

I went on a vacation with my wife to XXXX XXXX XXXX XXXX on XX/XX/2019 and sat through a time share presentation. The presenter asked if we would like to accept the package, we agreed saying yes. He asked if we would like to open a credit card for the purchase, and we said yes, AS LONG AS IT IS NOT A HARD INQUIRY ON MY CREDIT REPORT, He assured me it was a SOFT INQUIRY and it would not affect my credit report in anyway. Little did i know THE COMPANY LIED TO ME AND IT WAS A HARD INQUIRY AND IT DID EFFECT MY CREDIT REPORT in a huge way. The company is called BARCLAYS BANK DELAWARE, XXXX. XXXX XXXX XXXX, DE XXXX XXXX ( XXXX ) XXXX. All i am asking to resolve this issue is to take the hard inquiry off of my credit report.
Consumer complaint received 2020-10-21
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. (FL)

I requested an investigation into 2 student loans that were reporting on my credit file. The file is actually past the statute of limitations and yet they did not even supply a full payment history on their response. They start the payment history in XX/XX/XXXX and not anything prior to that. That shows they did not truly investigate because both accounts have been opened since XXXX.
Consumer complaint received 2019-05-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc. (MA)

Good Afternoon, I need help! I'm not sure who else to talk to about this. I was just looking at my Credit Report today I noticed a collection account from a company named Credit Management LP for {$320.00} on behalf XXXX. I called Credit Management LP XXXX and spoke with a nice lady XXXX Employee ID XXXX and when she took down my personal information she said that the alleged debt doesn't belong to me. She said that with the SSN i gave her it belongs to someone by the name of XXXX XXXX XXXX that lives in XXXX XXXX XXXX MA XXXX. Never lived or know that person! She said that she will file a fraud dispute and get this removed out of my credit. I just want to make sure that this fraud account is removed from my file because it's hindering my chance of getting approved. It dropped my score over 50 points.
Consumer complaint received 2021-04-26
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: WELLS FARGO & COMPANY (TX)

after much aggrevation Wells Fargo has held a bankrupcy against me since 1999 on there systems .origanating attorney presscott and pearson New brighten mn sendt all forms to executive case number XXXX at wells fargo ive banked with them for 60 years and my bankrupcy was under XXXX XXXX who bought wells fargo.originating account XXXX .recently denied loan and account for XXXXCan you Help?
Consumer complaint received 2020-10-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (PA)

RE : PNC BANK , NATIONAL ASSOCIATION, ( " PNC '' ), Mortgage Foreclosure Enclosed herewith are key stated and affirmed ultimate facts from my Appellant 's Brief for the foreclosure proceedings by PNC for which i make this complaint, ( " Complaint '' ), for your investigation of certain improprieties by PNC that have violated and impinged my private property rights as PNC is a holder-in-due-course of a mortgage on my private property located in XXXX XXXX, PA as Lot No. 19, ( " Lot No. 19 '' ), for which i have vigilantly and diligently sought with no success as follows : 1.  The assignment of mortgage documents from the original mortgagee XXXX XXXX to XXXX XXXXk to National City Mortgage to PNC ; and 2. Payment records for the Years XXXX through XXXX that were not provided in order for proving that two principal of {$25000.00} and {$20000.00} were tendered by me during such time frame as the Federal Government searched and seized my records for these payments and/or the records were destroyed when the SFR improved on Lot No. 19 was a total casualty loss by fire in XXXX. 
PNC must provide me the satisfaction piece as the mortgage debt is paid-in full. 
Your assistance in this matter is greatly appreciated.
Consumer complaint received 2023-01-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.
Consumer complaint received 2020-10-21
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)

Ive been going over my credit report and I saw some collections and inquiries that were on there. It says that I owe you guys a lot of money but, I dont know what its for.

I do not ever remember applying for credit with your company, so I would like to know what permissible business purpose you had for pulling my credit?

My credit score is really being affected and its getting in the way of my financial ventures because of this. I want to dispute these account until I get to the bottom of this.
Consumer complaint received 2020-10-21
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: NAVY FEDERAL CREDIT UNION (VA)

Requested in XX/XX/2020 and approved for a Consolidated Loan in the amount of {$28000.00}. Interest Rate 14.54 % of amount borrowed = {$4000.00}. However, NFCU 's interest rate calculation of 14.54 % = {$9500.00}. How? Upon complaining, NFCU forwarded an " the initial abusive interest rate Ammortization Statement '' ... is attached along with prior documents requesting a " TRUE calculation of interest rate  CORRECTION of Consolidated Loan to NFCU, XXXX, VA. The XXXX   assistance is requested in this NFCU Dispute. I've paid {$1600.00} toward this loan and over HALF of this PAID monetary dollar amount {$900.00} has GONE to INTEREST. AGAIN, how on an 14.54 % interest rate loan? Please Help. Looking at the numbers .... there is a sense THAT the calculations are incorrect. Best Regards. XXXX XXXX XXXX, XXXX. XXXX
Consumer complaint received 2023-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

ATTENTION : LATE PAYMENT In accordance with the Fair Credit Reporting Act XXXX XXXXXXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. ( Which means my information will remain private unless I give XXXX XXXX written instructions to make my information public ). 

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. ( I request this account to not be reported on my credit report ).

15 U.S.C 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 ( According to the Consumer report there are no such thing as late payments ).

15 USC 1681 ( a ) ( i ) 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( 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.

This late payment is affecting my approval of a car and a house needed to support my family and is causing emotional and psychological and financial stress upon me and my family. Account is now closed and is paid in full. Late payments are inaccurate.

Remove the late payment or deleted the account.
Consumer complaint received 2020-10-21
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: NAVY FEDERAL CREDIT UNION (TX)

On Saturday XX/XX/2020, I was approved for an auto loan totaling {$78.00}, XXXX. I went to XXXX XXXX XXXX and purchased the vehicle with the check given to me by Navy Federal. On XX/XX/2020, the bank refused to validate the check with the dealership citing that it was too much after giving approval on XX/XX/2020. I have been a loyal customer of Navy Federal for almost a decade. I have been financed for several loans and paid timely. I have not had an experience like this before where I was allowed to purchase a vehicle and then told the loan is not approved. This is terrible!
Consumer complaint received 2020-05-05
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. (AR)

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. 

DEPTEDXXXX XXXX {$860.00} DEPTEDXXXX XXXX {$5100.00} DEPTEDXXXX XXXX {$5000.00} XXXX XXXX {$410.00} XXXX XXXX XXXX {$780.00} XXXX XXXX XXXX {$510.00} XXXX   XXXX {$2000.00} XXXX XXXX {$3500.00}
Consumer complaint received 2020-10-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAVALRY INVESTMENTS, LLC (FL)

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX Todays date:XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter  very serious XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures  on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Consumer complaint received 2020-05-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

RE : Complaint Against Capital One Bank ( USA ) National Association Dear Ladies and Gentlemen : In XX/XX/XXXX, Capital One took over my XXXX  Credit Card servicing from XXXX XXXX, I went on line to set up account access. For some reason the set up process was not successful. After subsequent failed attempts to gain access to my account on line I called customer service for assistance with my user ID and password. It was difficult to understand the offshore customer service person 's accent but I explained to him that my cell phone was only able to make and receive phone calls because as a XXXX-year-old senior I am on a low fixed income t and don't have data capabilities thus, couldn't receive texts. In addition, I explained I can not afford internet at home and have to go to the library to gain internet access, so have limited time on line. 

The foreign customer service representative finally agreed to send an email with a link to the Capital One website where I'd be able to confirm my ID and reset my password. I tried that link several times and though I correctly provided all the required personal information, and all the information was absolutely correct, the link failed to grant access to my account. I ultimately learned that for some reason access to my account was blocked. I learned that on XX/XX/XXXX when I spoke with a Capital One Representative named XXXX who agreed to apply {$15.00} in equivalent reward points to my account. I was then transferred to an onshore representative who identified himself as XXXX, Fraud and Dispute Account Manager, IDXXXX. XXXX ' attitude is definitely not an asset to Capital One and though I provided all information to get help with my account, XXXX told me that to have my legitimately earned reward points applied to reduce my account balance I would have to submit a copy of the front and back of my driver 's license. That is where I drew the line and told XXXX to cancel my card immediately which he did. So apparently after correctly having identified myself I could cancel my card but XXXX reversed XXXX 's transfer of {$15.00} to my account and refused to transfer my reward points. I believe this is fraudulent and is truly shameful customer service. 

Capital One has sent me many letters and spent time and money trying to avoid awarding me the earned reward points. Yet, they have never explained why I was properly identified to cancel my account due to poor service but couldn't receive my earned reward points. The amount of reward points would now equate to approximately {$25.00} because of additional points earned before canceling my card. I wonder if Capital One is wrongfully depriving others in this same way. Thank you for your consideration of this matter.
Consumer complaint received 2020-11-12
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: Experian Information Solutions Inc. (CA)

I got a notification from my credit monitoring service today XX/XX/20 alerting me of an account in negative standing appearing on my credit report. I was confused so I logged in and saw an account from XXXX XXXX  for an amount of {$2100.00} on my credit report that is not mine. I did not open this account and I do not have any sort of written/verbal contract with that company nor did I benefit anything from that account such as money, services, goods or anything else and I never made any payments towards that account. I don't know who is responsible for this account but I have already filed a police report as well as a complaint with the Consumer Financial Protection Bureau. I also contacted the company in hopes of getting this cleared up.
Consumer complaint received 2020-05-18
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Williams, Rush & Associates, LLC (TX)

Hello, XXXX XXXX contacted me again this morning after I filed a complaint against Williams Rush and Associates about a year back to stop contacting me. Contact stopped. She started to harass myself, my friends, and my place of employment this morning. When I called her and asked her to stop, she attempted to talk over me. Im filing this complaint to cease calls again.
Consumer complaint received 2020-05-05
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. (WA)

We've contacted the company several times to update the reporting of 90 day late indication on all of the student loan accounts. We've discussed all of the history of the account and it was in forebearance at the time the account was marked 90 day late. The account should have been marked as deferred. Payment history should be reflected as such. Instead it is being marked as 90 days late. The way the loans are reported they are being noted as 6 individual accounts. So not only does the 90 day late negatively effect the credit report it is duplicated 6 times over.
Consumer complaint received 2020-11-18
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. (CO)

There are unauthorized hard inquiries that I have been trying to remove from my credit reports for months now by contacting both the bureaus and the companies but to no avails. 

XXXX  : XXXX XXXX XXXXXXXX XXXX XXXX  : XXXX XXXX  Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-19
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. (AR)

My car loan from XXXX XXXX  was reported under XXXX XXXX XXXX and was reported as a charge off instead of being paid off I have contacted both parties ( XXXX XXXX  and Transunion credit bureau ) of the error on the report. Also XXXX said they would send me a letter stating the car was paid off. This mistake on my credit report has caused me to be denied a car loan The finance companies do not want to finance some one who does not pay off their car loan Have complaint # XXXX XXXX from telephone call in
Consumer complaint received 2020-05-05
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. (WA)

We've contacted the company several times to update the reporting of 90 day late indication on all of the student loan accounts. We've discussed all of the history of the account and it was in forebearance at the time the account was marked 90 day late. The account should have been marked as deferred. Payment history should be reflected as such. Instead it is being marked as 90 days late. The way the loans are reported they are being noted as 6 individual accounts. So not only does the 90 day late negatively effect the credit report it is duplicated 6 times over.
Consumer complaint received 2020-05-05
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. (WA)

We've contacted the company several times to update the reporting of 90 day late indication on all of the student loan accounts. We've discussed all of the history of the account and it was in forebearance at the time the account was marked 90 day late. The account should have been marked as deferred. Payment history should be reflected as such. Instead it is being marked as 90 days late. The way the loans are reported they are being noted as 6 individual accounts. So not only does the 90 day late negatively effect the credit report it is duplicated 6 times over.
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

I strongly urge you to promptly address this error and clear me of any responsibility. It is vital that you conduct a thorough investigation into this matter and rectify the mistake swiftly. Your immediate attention to this matter is highly appreciated.