davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-21
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

On XX/XX/XXXX, I went into XXXX XXXX XXXX in XXXX XXXX Illinois. I understood that they would need to pull credit report to finance the car. Om XX/XX/XXXX I pulled a free credit report from Transunion that showed 6 hard hits, 3 being the date on which I purchased my car. On XX/XX/XXXX, I called Transunion regarding the 3 inquiries  dated XX/XX/XXXX, from XXXX, XXXX, XXXX XXXX, I stated why is it showing 3 hard hits, it should be one because it was a car loan. They stated there is nothing they could do that I would have to call the individual inquirers to straighten it out. I call XXXX, who informed me it was the Car dealership to remove the inquires that they knew how to do it. I call them and spoke to someone in finance who informed me that of course my score would be lower I have a new loan. I informed him, I already went through the " dip '' of a new loan and this had to do with the inquires. He told me that XXXX would call me. I was unable to speak with XXXX on Friday XX/XX/XXXX when he called. I went to pull the report from XXXX XXXX to pull the report which sent me to you through an article that they had on file. I spoke with XXXX from your office on Monday. I am attaching the copy of the XXXX XXXX report. Any assistance will be greatly appreciated.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

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

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

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

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

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

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

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

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

Summary of Accounts being challenged in list form : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-02-04
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: R3 Processing (VA)

I called a company R3 Processing to help me get a lower payment on my student loan. I completed an application with them and they gave me a username and password to the federal student aide website to check on my loan. The account manager who was handling my case said my payment would be {$74.00} a month. {$49.00} going to XXXX XXXX who they borrow money from to do the work for me and {$25.00} towards towards my student loan. I kept calling them about my application which they said could take up to 90 days. 90 days passed and they kept telling me my application was still being processed. Meanwhile I have been getting money automatically withdrawn from my bank account for {$49.00} by XXXX XXXX. I called XXXX XXXX and they told me R3 Processing said their work was completed. They said for consolidation. They did not consolidate my student loans. This was done in 1996. R3 Processing was to help me lower my student loan payments. They did not do this work. I have tried to call them many times and have left voice mails but have not received a call back.
Consumer complaint received 2018-02-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (CA)

I closed my account with Citibank and they continued to keep a recurring ACH active on my account. This ACH withdrew funds from my XXXX XXXX XXXX account into the closed Citibank account. I have no access to the funds and Citibank denies making the withdrawal. 

I have an email from Citibank with a transaction number and all the details from my XXXX  XXXX XXXX account showing they made the withdrawal. 

The account was closed on XX/XX/XXXX. They made the withdrawal on XX/XX/XXXX
Consumer complaint received 2019-03-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: PNC Bank N.A. (MN)

Tried to make a payment to my PNC Credit Card but for some reason the payment bounced even though i clearly had the money in my account and put in the account / routing in correctly and was charged a XXXX $ RETURNED CHECK CHG, so i called on their recorded line and they promised / said they remove the fee on the next statement because i was eligible for it but now a month forward there toxic reps are not helping me now even though every other bank company i have used in my 8 years of banking have always waved these fees quickly and smoothly when they have happened by mistake. 

PNC is being greedy and there customer service reps in there credit card department are toxic and are not helpful at all its really a hit or miss if you get a good one or bad one. 

This credit card belongs in the sock drawer since if you ever have problems they clearly don't have your back.
Consumer complaint received 2018-01-09
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (MA)

Over the past several years I have been trying to fix my mortgage to a reasonable payment. Due to XXXX stating they did not receive documents or having to resubmit documents, the modifications too much longer than it should have. One modification took over a couple years. All this time XXXX had been adding fee 's interest, penalties, and attorney fee 's. My Original Mortgage of XXXX is now over XXXX. Now XXXX wants monthly payments of over 3200.00 per month. I have requested all my loan documents and a detail list of all charges and interest charged to my mortgage several times. still have not received anything.
Consumer complaint received 2023-01-18
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: LEXISNEXIS (TX)

XX/XX/XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX- Contains several errors and other sensitive information. This letter received today states- LexisNexis responded by saying they could not verify my identity completely verify my identity on XX/XX/XXXX but sent a full consumer disclosure report - to me - Apparently a stranger because as stated in their most recent response dated today XX/XX/XXXX, LexisNexis could not verify my identity. The request to opt-out was submitted on XX/XX/XXXX. 

A response was received - on XX/XX/XXXX Stating the burden of proof is on the consumer which is 100 % incorrect. 

Lexis Nexis as an entity is responsible for providing information on how the items collected in the consumer file have been validated. 

I requested a VALIDATION OF INFORMATION ON THE CONSUMER FILE AND LEXISNEXIS DID NOT PROVIDE VALIDATION OF INFORMATION AND HAS VIOLATED MY RIGHT TO PRIVACY by POSTING ITEMS ON A CONSUMER REPORT WITHOUT VALIDATION. THIS CAUSED ME REPUTATIONAL HARM. 
THE COMPANY DID WHAT THEY SAID THEY WOULD DO WITH MY COMPLAINT Technically- All items should be deleted at this point. LexisNexis has not provided any information on how they were able to collect personal information. Instead, they have responded with nonsense.
Consumer complaint received 2018-01-09
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Towards the end of 2013 I switched credit cards from XXXX to a XXXX credit card. All charges should have switched starting in XXXX. Knowing that all charges were switched I thought everything was good, and I do n't need to monitor XXXX account any more. It turns out one small charge of {$25.00} dollar slipped and hit XXXX account. For some reason, starting that month, XXXX system failed to send email notice of statement balance. So the charge resulted in penalty and interest charges for a few months, before someone from XXXX finally called me to tell me I had a delinquent account ... all due to {$25.00} charge that I was never notified about. Long story short, and tons of calls, they decided to remove 1 late fee. I paid it promptly. The problem is the delinquent account and missed payments are still on my record. The worst part is the associate from discover admitted that system was not sending me any form of monthly statements nor did anyone call me about missed payments until account became delinquent.
Consumer complaint received 2023-01-18
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: Affirm Holdings, Inc (IL)

Pursuant to 15 U.S. Code 1691 - Scope of prohibition- It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction. Keyword : ANY I was discriminated against based on my credit report/reputation.

Also Pursuant to 15 U.S. Code 1602 ( p ) - Definitions and rules of construction. The term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. The credit card being my social security was used by Affirm ( person ) and I the cardholder received no benefit.

Affirm has already confirmed through email that they in fact did deny me my right to credit. Affirm shall pay fines for said violations including 15 U.S. Code 1681n - Civil liability for willful noncompliance. {$1000.00} per violation invoice will be sent by mail via USPS with a tracking number.
Consumer complaint received 2020-06-02
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. (VA)

I don`t recognize this account and inquiries, I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 

Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

Therefore the following information needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible.
Consumer complaint received 2018-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CA)

The agency lists multiple addresses on my credit report that is misleading and NOT accurate. I only resided at one address, which is on XXXX XXXX. The current reporting is misleading, not accurate and is in violation of several FCRA statutes.
Consumer complaint received 2022-04-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XX/XX/XXXX, I applied for a capital one credit card online and was approved. Yet, I have not received a card or notification about the processing of the card. 
I purchased a car through capital one auto finance in XX/XX/XXXX and have never missed a payment or been late. They refuse to refinance my car, approve me for a high interest credit card and never send me the card.
Consumer complaint received 2020-11-05
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. (CA)

I have an item on my Experian credit report that is not mine and is adversely affecting my credit score. I have disputed the Item several times with Experian and they have not removed it from my credit file. The account is not mine I never authorized this account, I never signed for this account and I never received any goods or services from this debtor. The creditor, is a bank called XXXX, which I never had any dealings with. This account was opened by my ex husband without my authorization and I have filed an identity theft report with the FTC that outlines this account. The Bank will not talk to me about this account because it is not in my name, so why do they continue to repot it to my credit file? It is over 7 years old and should be removed from my file permanently.
Consumer complaint received 2019-03-14
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CITIBANK, N.A. (GA)

Prior to 2014 I satisfied my debt with Citibank Dividend Platinum MasterCard. I was contacted by a company that refused to provide their name and information. They claimed to be the " Claims Dept '' with number XXXX. I was threatened with a lawsuit of over {$4000.00} if I did not pay. They also made claims that a certified letter was sent and signed for by my family.
Consumer complaint received 2018-02-04
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. (GA)

I contacted the company concerning inaccurate information reporting to the credit bureaus. They provided me with all payments that were made on my account and when I called them wanting to know why are they reporting payments being late per the documents that were provided by there company. I was advised they were not changing the information. Im discussed with the way this company is treating there clients.
Consumer complaint received 2021-08-16
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: Onity Group Inc. (NJ)

I am filing this complaint because the company PHH/Ocwen loan servicing has been falsely reporting on my credit report. We entered into a modification agreement a year ago. Since then PHH/Ocwen has continued to report that we are 120+ days behind on our mortgage. I also, started preparing for a loan under my company that I own. When my financial consultant noticed Ocwen flagged my credit report for deed in lieu. Which is basically stating we lost our home or was about to under foreclosure. This never happened. We worked out the modification and have never missed a payment since. I have contacted the company to have the remove this information. PHH/Ocwen did the research and said in a letter they did not do this and if I had evidence supporting my claim ; to forward it to them. I did so through certified letter. I reached out after 35 days later after no response. PHH/Ocwens customer service people advised they did not see anything in the system receiving it or correspondence further than the original denial letter regarding the Deed in lieu false reporting. This is hurting my personal credit and hurting my business from moving forward. I would just like to have this corrected immediately. This just appears that they are attempting to keep customers held to them because my destroying their credit they can no longer go any where else. 
I have tried to fix this issue with experian credit reporting. However, PHH/Ocwen says they did nothing wrong and experian goes along with them. Denying my claim and failing to fix the issue.
Consumer complaint received 2021-05-03
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. (FL)

I recently check my credit from XXXX and i notice a few fraudulent accounts on my credit report. I do not normally check my credit but i was at shocked when i saw how many accounts that was fraudulently open under my name. I got a few alerts stating that my information was on the dark web thats why i was worried about my credit. Also, i was affected by the equifax breach that happen a few years ago. I contacted the 3 credit bureaus regarding this and i was told to get an FTC report. I have attached it with my drivers license.
Consumer complaint received 2020-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (GA)

I am a victim of Identity Theft and these fraudulent accounts have caused me tremendous stressed as well as job opportunities. I have sent XXXX multiple dispute letters as well as faxes regarding these fraudulent accounts. I am requesting for the following accounts to be blocked and removed immediately due to fraud and identity. I have never opened any of the following accounts listed below : 1. XXXX XXXX | XXXX BALANCE : {$2400.00} 2. XXXX | XXXX BALANCE : {$3100.00} 3. XXXX XXXX / XXXX | XXXX BALANCE : {$3800.00} 4. XXXX XXXX / XXXX | XXXX BALANCE : {$0.00} 5. XXXX XXXX / XXXX | XXXX BALANCE : {$3300.00} 6. XXXX XXXX | XXXX BALANCE : {$8600.00} 7. XXXX XXXX XXXX XXXX BALANCE : {$5200.00} XXXX. XXXX XXXX XXXX XXXX BALANCE : {$1100.00} 9. XXXX/XXXX XXXX XXXX XXXX | XXXX BALANCE : {$6700.00}
Consumer complaint received 2018-04-06
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Golden Title Loans LLC (TN)

On XX/XX/2018 I was constantly contacted by XXXX XXXX 's law firm with XXXX XXXX XXXX. XXXX XXXX told me that she is collecting a debt for XXXX XXXX, but was very rude on the phone. Told me I need to hurry and send money the today or I will be sent to court. She told I will be charged for breach of contract and writing a fraud check. I needed the money for a funeral and fell on hard times in which I couldn't pay the loan off immediately. She told I have to pay court cost, attorney fees, and including the loan. She told me to pay half the loan in order to get it settled. The people are very rude and told me I need to learn how to pay my bills on time or this wouldn't be happening to me. I know in Tennessee, payday loans can not aggressively send you to criminal court in which she told I could get charged for breach of contract and fraud checks. They constantly kept calling my mom and other family members. She told she will not stop calling my family until the debt is paid for which is a form of abuse. When I asked for the name of the Law firm the secretary, XXXX told me none of my business, and wouldn't spell out the name of the law firm in which XXXX XXXX uses, and told me I need to learn how to pay my bills on time. Extremely rude people and aggressive! They also known for talking over you while you trying to ask them important questions. I had to seriously tell them to let me speak so I can understand the information.
Consumer complaint received 2018-02-04
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. (GA)

I contacted the company concerning inaccurate information reporting to the credit bureaus. They provided me with all payments that were made on my account and when I called them wanting to know why are they reporting payments being late per the documents that were provided by there company. I was advised they were not changing the information. Im discussed with the way this company is treating there clients.
Consumer complaint received 2020-12-03
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: Experian Information Solutions Inc. (GA)

I am so sick of dealing with Experian and its competent representatives regarding these fraudulent accounts. I am requesting for Experian to permanently remove and block these fraudulent accounts immediately upon receiving my police report and Identity Theft report. 

I did not open these fraudulent account and someone stole my identity and opened these fraudulent accounts. Please block and remove these fraudulent accounts immediately : 1. XXXX/XXXX  Account # : XXXX 2. XXXX/XXXX  Account # : XXXX 3. XXXX XXXX XXXX Account # : XXXX 4. XXXX/XXXX Account # : XXXX 5. XXXX XXXX XXXX Account # : XXXX