davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (OK)

Around the XXXX of XXXX I have been closely looking at my credit report as I was making extra payments to pay off my auto loan with XXXX XXXX XXXX. It was around that time that I was noticed that my credit report was not reflecting the payments that were being made. After contacting the company the advised me to start a dispute and that would get it straight. However, XXXX additional phones were needed weeks later in order to correct the problem. As I move to early XXXX I paid off my debt completely. After weeks of not seeing the report I decided to launce another dispute on XX/XX/XXXX. On a recorded line with Experian I was told that XXXX had not reported payments from XX/XX/XXXX until XX/XX/XXXX. My complaint is XXXX XXXX company has not been reporting my payments as they should. The Fair Credit Reporting Act promotes FAIR CREDIT REPORTING. It is not fair that they have reported all the bad stuff, but not all the good stuff. They are responsible for some damage to my credit report. I would like CFPB to obtain the the exact history of XXXX XXXX XXXX XXXX XXXX XXXX. If it is determined that they are in violation. I will be seeking a legal complaint in the necessary court of law.
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

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.
Consumer complaint received 2019-02-20
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 account is a secured deposit credit card account opened XX/XX/2015. I sent XXXX a {$500.00} security deposit and never received the card. I did not activate or make any charges on this account. The account was auto charged and began reporting to all 3 bureaus without my knowledge and without my capability to make payments or obtain any information about this situation. The contact information for this company was inadequate on their website. I was charged {$500.00} and never received any services in exchange, adding the negative reports on my credit adds insult to injury.
Consumer complaint received 2021-02-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (HI)

On XX/XX/XXXX, my XXXX  Citi card account was closed claiming I did not renew my XXXX membership. I do currently have a XXXX membership. However, I got a new XXXX membership number in XX/XX/XXXX. Since I got a new membership number, I have had no trouble with my account or using my card until I received the XX/XX/XXXX, letter in the mail from Citi saying my account was closed due to my XXXX membership not being renewed. Furthermore, I received no notifications that my account would be closed prior to the XX/XX/XXXX letter, though I was told an email was sent on XX/XX/XXXX, giving me 60 days to renew my membership. I have had this credit card for approximately 19 years and am very disappointed to have lost my oldest credit account and the {$100.00} in rewards I had accumulated but not been paid. So far, I have made four calls to Citi and spent a couple of hours of my time trying to get my account reopened. The last account executive I spoke to informed me that I would need to apply for a new credit account which meant authorizing them to pull my credit report and declaring income, etc. I feel this is an error/miscommunication between Citi and XXXX, and I am the one that is suffering the consequences.
Consumer complaint received 2022-08-11
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: OneMain Finance Corporation (GA)

Someone fraudulently opened up a secured loan in my name and this company has done nothing to investigate or remove this from my credit report. One main has been reporting fraudulent information to my credit report and just recently they increased the overall amount of the loan. How is this even possible for a company to tarnish a persons credit without Authorization
Consumer complaint received 2021-06-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: PLS GROUP, INC (OK)

I had attempted to make a purchase and it still reflects these purchases and has not been refunded on account. These purchase add up to over {$1000.00}
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

It i have been a victim of identity theft and have tried to reconcile this issue with your company more than once, The only outcome i have received from you is that this accounts was opened by me. This is very unsettling and illegal, please be advised that disregarding this means that you can be subject to a {$5000.00} fine and/ or litigation for not reserving my rights under U.C.C 1-308.4 ( i am reserving my rights under U.C.C 1-308.4 not to be compelled to perform under any contract or commercial agreement that i did not enter KNOWINGLY, VOLUNTARILY, AND INTENTIONALLY. I do not accept the liability of any compelled benefit or lack thereof, or any unrevealed contact commercial agreement. I have a right to sue you under the common law for violating my rights under the UCC )
Consumer complaint received 2021-09-16
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. (SC)

As far as I know in 2018 my x of 18 years used my credit info to apply for a student loan from Dept of EdXXXX XXXX loans XXXX, for XXXX and XXXX, for XXXX, which I never approved or signed are on my credit report. I am on a fixed income due to XXXX and have no way to pay this loan, So I never would have agreed to it. 
The dept of EdXXXX sent me a copy and there is no signiture on it, so I'm assuming it was done ona computer ( Not Mine ). I have disputed these loan several times with the credit bureau ( s ) the results come back fast and loans are confirmed. I did Not apply or give my approval to apply for these loans. And dept of edXXXX won't remove these from my credit reports.
Consumer complaint received 2020-11-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

I opened my first credit card account on XXXX as an international  XX/XX/XXXX. I just realized they charged me {$39.00} annual fee for 6 years, for a {$0.00} annual fee credit card. I search online about BOA cash reward or BOA cash reward student DO NOT have annual fee. There is no valid reason for charging me {$39.00} per year for 6 years! If I did not notice this, I guess I'll still be charged the non-existing annual fee. My other friends do not have this problem. 

I noticed I have a {$39.00} annual fee charged on XX/XX/XXXX and I already called BOA on XX/XX/XXXX to waive the fee. What about my previous annual fees? I need my refund for the non-existing fee charged on me. This does not make any sense. BOA " upgraded '' me to BOA cash reward Visa Platinum Plus, not sure what's the difference and seems no extra benefit but at least waive my annual fee!?
Consumer complaint received 2020-11-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TCF NATIONAL BANK (IL)

I started a XXXX  and opened a checking account with TCF bank in XXXX. As condition with my XXXX, I opened also a gym membership early in XXXX to mitigate a disease process. My acct number for the bank acct is XXXX. By XXXX, COVID became a central theme for globally. My doctor wrote and ordered isolation as I am an at risk contender. My order was sent in the mail, and submitted to the gym asap in XXXX. Shortly thereafter, the State of Illinois was ordered into a Mandatory Quarantine by the Governor. I learned that the gym through its third party collection company XXXX XXXX, had continued to bill my account causing it to go into negative status with fees from the gym and overdraft fees by the bank in XXXX. It was submitted into Collections in XXXX, but under quarantine, was not monitoring that account. The account number for the gym being XXXX, I called XXXX immediately, who waived all charges in XXXX for an account that was restricted in XXXX and placed into collections. Though the gym attempted to reverse charges after the fact, those reversals took NO EFFECT, as the account was closed and the reversal bounced back/returned to the XXXX XXXX. XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX then admitted that the charges took place and were in error but that I should return to the bank for resolution. I have that email as evidence. Going to the bank and speaking with XXXX a Supervisor with the bank 's XXXX XXXX branch, I was directed to XXXX XXXX XXXX XXXX XXXX and spoke with XXXX, the Supervisor for account XXXX ( XXXX ), who stipulated that XXXX XXXX needed to issue a check for {$310.00}. Today, XXXX XXXX of XXXX XXXX continues to persist that they had a legal right to continue to withdraw my money despite and that it was on me. None of the representatives have since attempted to resolve this matter, and I and my XXXX  has been severely damaged. A {$6.00} XXXX  dollar investment into my XXXX  has been blocked as the account was closed without my knowledge or notice and as a result payments have been burdened by this Force Majeure event which poses the risk of my being liable for {>= $1,000,000} in default payments despite the very real attempt to desposit and make payment into an account in good standing. I need help and restoration. The address for the above account at TCF is XXXX XXXX XXXX XXXX XXXX, IL XXXX The address known by the gym and XXXX is XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Since originally filed have been contacted by " XXXX '' a General Manager for the gym who indicated that the prior GM or co-GM failed to freeze the account which caused the recurrent charges and bank fees. As a settlement he offered {$170.00} which is not sufficient. The total is {$310.00} ( more than {$200.00} ) are bank fees to which none of it had been caused by myself and should be either absorbed or forgiven and not paid by me.
Consumer complaint received 2017-11-03
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (WA)

This file has been in review for over 100 days, a complete packet was received/confirmed months ago. However, week after week underwriting requests documents they already have on file or clarification on thing that were already noted and provided. It is one thing after another and zero progress is being made.
Consumer complaint received 2022-04-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

In 2017 XXXX was beached and my identity used to ruin my financial security, sense of Safety along with all 3 credit agencies, XXXX, Transumion and XXXX along with financial institutions XXXX XXXX  XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXXit and collections accounts l : XXXXl, XXXX, XXXX XXXX XXXX Collections Account Closed Collections Balance Decrease positive change : XXXX XXXX XXXX XXXX Failure to remove any of the listed derogatory remarks, false Information and defaming information on my credit file. All of these companies are breaking the law and discriminating against and fraud/ID victim. This has caused grat hardship, a mentall and physical Itoll over the last 6 years. This is criminal, negligent, and against FTC and consumer finance laws and regulations. I am begging for help in holding all of tgese compainea liable and accountable to damage to my credit, my ablilitj to get loans, refinance, apply for credit cards and crippled me financially. I have XXXX k in home equity which I have absolutely no way to utilize be ate loans will not be granted, Ive been denied for refinance and I can no longer stand for This to continue. If the derogatory remarks, information and false information is not only removed immediately biut that it remains off. I have spent years now only to have the information back on my report. There are laws against doing this and my rights are being violated. Im saving for a Lawyer and will alert the media. Because of XXXX having the data breach my personal information back was used and my credit destroyed. XXXX ruined me life and continues to do so. who governs this?
Consumer complaint received 2021-07-20
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: Bread Financial Holdings, Inc. (MD)

Received a credit card from XXXX XXXX XXXX, 2021, that I or my wife never applied for. Called the company to cancel when I noticed that it was on my credit report during a routine check of the report. Their phone menu has no selection to speak with a customer service rep. Just punched any number to get to a live body. My home phone not listed in their system. Confirmed street address but would not provide last for of SSN as did not want to provide personal information. Told them to provide what was on file and I would confirm. They hung up on me. 

The card was issued by Comenity Bank but could not find any info on how to contact bank directly. 

I want this card cancelled.
Consumer complaint received 2022-04-06
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. (NY)

On XX/XX/XXXX and XX/XX/XXXX I asked Transunion to investigate the attached information. On XX/XX/XXXX I received a letter saying because they suspected the complaint was sent by a third party they would not look into the matter.
Consumer complaint received 2021-09-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Continental Services Group, Inc. d/b/a ConServe (AL)

Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC
Consumer complaint received 2019-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

I am trying to buy a house and get a new job and the information that is on my report is inaccurate and unknown to me. Addresses and names and information on all three agencies XXXX, XXXX XXXX, XXXX, OHXXXX XXXX, XXXX, OHXXXX XXXX, XXXX , OHXXXX XXXX, XXXX, OHXXXX, XXXX, OHXXXX XXXX, XXXX, OHXXXX XXXX, XXXX, OHXXXX XXXX, XXXX, OH : ( 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 XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2017-11-07
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. (NC)

After reviewing my Transunion credit report on XX/XX/XXXX, I  noticed that there is inaccurate information listed on my credit report from the creditor of the tradeline XXXX. The account is up to date with no late payments, however according to my Transunion credit report, the trade line is listed as last payment is XX/XX/XXXX. I contacted a customer service rep ( XXXX XXXX ) ( XXXX ) XXXX and the representive explained to me that my landlord verified my recent rental payment, and rent reporters has already reported the correct information to Transunion . XXXX XXXX, informed me to check my Transunion credit report within one week and let them know if I can see my updated tradeline. As of XX/XX/XXXX, the tradeline on my Transunion credit report is inaccurate.
Consumer complaint received 2023-01-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This account needs you be removed off my credit report IMMEDIATELY. You have not done a THROUGH investigation. Loans that were supposed taken out to purchase a new car were proven to be false. XXXX is not licensed in the state of VA or NC to do Consumer Loans, Small Loans or anything with Motor Vehicle Sales. I asked for the credit bureau to verify and validate all data for this account, every notation, dates and balances, whether reported or not this inquiry was made without my knowledge or consent and I would like to be provided proof that I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof of any or one, I would like it removed immediately!
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-09-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (AL)

No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either
Consumer complaint received 2021-07-20
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: EQUIFAX, INC. (MS)

On XX/XX/2021 please be sure to enter dates that all letters were sent. 

I sent disputed to XXXX, Equifax and XXXX  for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below.
Consumer complaint received 2019-11-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (SD)

When paying off my loan, PNC has processes designed to make it inconvenient for the consumer to pay off the mortgage.

1 ) Payoff can not be completed on-line ( but any other type of payment is allowed ) 2 ) Automatic payments are cancelled without notice to the consumer when the loan balance is less than the monthly payment.

3 ) The last payment for the loan can not be paid via automatic payment and this limitation is not communicated to the consumer at origination.

4 ) The final payment must be a check, cashier 's check, or some other physical form of payment. 

When I called and spoke to XXXX, I asked why normal payment procedures do not apply to the final payment, I was told that it's because that payment does to a different department and triggers the lean release. This is an internal procedure that should not be visible to or impact the consumer in any way. 

I submit that they intentionally discourage paying off the loan to collect more interest.