davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

In accordance with fair credit reporting act XXXX XXXX XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A.states I have the right to privacy.

15 U.S.C 1681 section 604 section 2 : it also states a consumer reporting agency can not furnish a account without written instructions. 

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 2022-04-02
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: EQUIFAX, INC. (LA)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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.
Consumer complaint received 2020-11-21
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (FL)

Once again, I supplied the additional items they requested in order to continue reviewing my loan mod application. I sent to the email address they provided. They did not acknowledge receipt and a few weeks later they sent me a letter stating they could not continue because of lack of information. Also, on XX/XX/2020, I received letter from PHH/XXXX, dated XX/XX/2020. The letter stated I had until XX/XX/2020 ( the same day I received it ) to not only send the documents I already requested, but also an application and financial form. I'm not getting anywhere with their loan modification department. Please help me get resolution. Thank you. Please refer to CFBP complaint # XXXX
Consumer complaint received 2022-02-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK (MI)

XX/XX/22 I got a notification at XXXX pm on XX/XX/22 about a hard inquiry to my XXXX report. I did not apply for a credit. I do not own a credit card. I quickly called XXXX to find out and they told me to go to XXXX to have the inquiry removed.
Consumer complaint received 2021-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (OR)

Hello, I have disputed a bankruptcy showing up on my report in 2013. Since I have opened many accounts with a 100 % on time payments. I have taken advice from credit report companies and score goes down a lot. My score stays between 550 -650 approximately. Over the last eight years I have paid and continue to pay tens of thousands in interest. My report doesn't even come close to accurately describe my responsibility to make payments on time. I have been told bankruptcy should be removed after seven years and one of the reporting agencies ( XXXX ) removed it and my score went way down. XXXX, Experian do not remove even when I dispute it and request they remove. I am a lower income senior who needs help. 

Thank you for your time, XXXX XXXX XXXX
Consumer complaint received 2021-02-02
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: Credit Plus Inc (FL)

XX/XX/20 : XXXX XXXX XXXX XXXX XX/XX/20 : XXXX DBA XXXX XXXX XX/XX/20 : XXXX XXXX XXXX XXXX XX/XX/20 : XXXX XXXX ( dont recognize, unauthorized inquury ) Credit plusXXXX XXXX ( double inquury! ) XXXX These are the 5 Lenders showing on my credit report as Hard Inquires! One lender ( XXXX XXXX I never authorized and XXXX  XXXX  pulled my credit multiple times ) During a 2 week period XXXX I was shopping for home loan refinance and my credit should not have had such a significant drop in credit score due to these hard inquiries as law states " would only count as 1 pull of credit when shopping for mortgage within 30-45 days period '' My credit was a XXXX on XX/XX/20 when a few calls were made to 3 lenders only! Within a 2 week period! In beginning of XXXX, I noticed these 5 hard inquiries on my credit report and my score dropped to a XXXX!! Nothing else had changed to my credit report during this time that would have impacted such a drastic drop in my credit score, only these hard inquires, at which point I immediately saw the drop in my score..I am disputing these hard inquiries and request they be removed from my credit report. Thank you for your assistance, XXXX XXXX XXXX
Consumer complaint received 2021-02-02
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: Navient Solutions, LLC. (FL)

NAVIENT XXXX XXXX XXXX XXXX, XXXX {$4600.00} NAVIENT XXXX XXXX XXXX. XXXX, XXXX {$1900.00} NAVIENT XXXX XXXX XXXX. XXXX, XXXX {$1600.00} NAVIENT XXXX XXXX XXXX XXXX, XXXX {$2800.00} The number of times missed which is being submitted on my credit report looks like inaccurate and or confusing. Kindly have data that the particular alleged account was in fact delayed and you have taken the recommended approaches in order to competently find out your allegations.
Consumer complaint received 2021-05-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (TX)

In XXXX, my girlfriend and I traveled to XXXX from Texas and stayed at the XXXX XXXX in XXXX XXXX XXXX. Checking in, my girlfriend booked the room with her card and was charged a {$600.00} deposit that was supposed to be refunded after checkout. As we were checking out, they told us one of meals needed to be paid for so I told them to put the meal on my card. They charged me an extra {$800.00} for the meal that I didnt see until we got home the next day. We have called the hotel multiple times who said the extra {$800.00} was a deposit in case there were any room damages, but they didnt find any damage and the charges will be returned to us. Neither of us got our deposits back after trying for over a month despite them telling us repeatedly the funds will be returned. I never signed anything for this {$800.00} deposit in the first place and was never told about it when asked to pay for the meal. I never signed anything to pay this extra deposit and after looking at reviews of this hotel online many people have written about similar made up charges while staying at this hotel. 
I filed a claim with my bank ( chase ) who told me I need to send them a written statement online through their website. I wrote them a statement and sent it over to them as they asked. After about a week they closed my claim and said they never received the documents despite me sending it to them exactly how they asked. I tried this two more times both times with the same result of them closing my claim and saying they never received my document. 
Finally I spoke to another agent after having my claim closed 3 times who told me their messaging system on their website does not work and they wont receive my documents that way. Up until this point, the agents have told me to send my documents through the website. She tells me I need to go to chase bank and send it through fax in the bank. 
Today, they finally received my letter and they tell me they cant fix my claim because too much time has passed since the hotel made this charge on my card. I tried to explain that the only reason so much time has passed was because they were giving me wrong information on how to send my statement but they said there is nothing they can do.
Consumer complaint received 2019-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

To Whom It May Concern, We have been trying in good faith to resolve our status of our debt with The Bank of America. We dont believe the are they are dealing with us in good faith. The unpaid balance is {$10000.00}. A judgement was entered on XX/XX/17 yet it is still being reported to the Credit Agencies as a CHARGE OFF/COLLECTION. We are currently honoring a payment arrangement/plan with the Court Officer, so we are fully willing to pay the debt. Our attorney has advised us that if the account is now a judgement it should fall off the credit reports. No one will assist us in making this error correct and as a result we are unable to qualify to a much needed mortgage. PLEASE HELP US. 

I am attaching all relevant documentation. 

Many thanks. 

XXXX XXXX
Consumer complaint received 2023-03-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (GA)

This company has been harassing me for the last two months. I have not had any rest. During the first month during the transitional period. Documentation are sent showing they did not wait for formal mortgage company to send funds. The calls began on XXXX requested pay-off quote and process begin on XX/XX/XXXX. They took {$570.00} from my account on XX/XX/XXXX and began harassing calls to my home on XX/XX/XXXX @ XXXXXXXX XXXX XXXX, XXXX stated an error has occurred on my account and would be corrected. On XX/XX/XXXX XXXX calls me on XX/XX/XXXX @ XXXX XXXX. concerning the same problem. Again I requested a supervisor, and XXXX states that the error takes ten days to correct. Today XX/XX/XXXX I get another harassing call about due payment. I was informed that my pay-off payment was received on XX/XX/XXXX. I call back requesting supervisor XXXX, concerning this predatory harassment. My bank sent my mortgage pay-off to Select Portfolio Servicing on XXXX and funds were received on XX/XX/XXXX. This business should not be in business.
Consumer complaint received 2022-04-02
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. (MS)

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-03-29
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. (TX)

This is in response to complaint XXXX. Equifax stated that the account that I disputed is already reporting paid as agreed with no late payments, but that is incorrect. The account is XXXX XXXX XXXX XXXX XXXX  and there is a late payment reporting in 2020. I have informed Equifax that my payments were deferred due to covid so there should be no late payments reporting. Once again, please remove this inaccuracy from my credit report or I will take legal action for violation of the FCRA and CARES Act.
Consumer complaint received 2022-04-02
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. (TX)

Upon reviewing my report incorrect information is being reported to my personal credit file. The XXXX Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. 3 bureaus have failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. I need the following inquiries to be removed - XXXX XXXX  Inquired on XX/XX/2020, XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX, XXXX Inquired on XX/XX/2020, XXXX Inquired on XX/XX/2020, XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/2020 XXXX
Consumer complaint received 2020-11-21
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

My loan is with XXXX XXXX. I have continually made Principal Only Payments and they continually charge me interest on them. Just yesterday I made a {$2000.00}, the representative XXXX employee ID XXXX and I both are recorded saying Principal only and yet I look today and they have charged me {$180.00} interest charge. They have said for the past 2 weeks that they are fixing it because i want to pay it off, I've called back multiple times and nothing has been done. I've tried everything that they've told me to do such as sending in the payment separately ( which didn't work ), sending it to a completely different address that they told me ( still charged interest ), and have called in and the representative and myself being recorded saying principal only and yet I'm still being charged and have to call in, and them telling me it's been corrected but it hasn't. I just want it fixed because I just want to immediately pay it off, I continually tell them this and they say just wait for them to fix it, all the while charging me a daily interest fee. They now have charged me over {$1000.00} on principal only payments and also over charged me interest on monthly payments. Please help me! I just want to pay off my vehicle and for it to be fixed. Ill do anything for this to be resolved quickly. I don't want anyone else to go through this. They also sent me my recorded phone calls, it however was just a blank form ( Included ). I have more employee names and employee IDs of a few of the people of many that I spoke to.
Consumer complaint received 2022-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (LA)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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.
Consumer complaint received 2021-02-11
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 sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Under the FCRA Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted and updated immediately.
Consumer complaint received 2022-04-02
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL (CA)

I ordered items from XXXX that I never received because XXXX wrongfully closed my account. I reported this to synchrony bank and was surposed to receive credit for the items I never received but the credit never transferred over but the false negative balance did and after having to call repeatedly over there course of a few months it was supposed to be resolved I had requested the account be closed and a refund of my XXXX dollar deposit that was owed to me I was told a check would be sent out and the account would be closed never received the check and they continued making false reports on my credit report causing a lot of damage while still sending me emails showing that I had no balance there employees are undertrained and very rude a very few actually knew how to address issues and the issues that had been fixed had been unfixed by more employees that I believe must have been disgruntled because there had been no reason for them to attack me verbally and financially by attacking my credit when they knew I did not owe and refused to return my deposit I honestly regret ever doing business with XXXX and synchrony bank the experience has been completely horrific.
Consumer complaint received 2023-03-29
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: EQUIFAX, INC. (NC)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX Account. # XXXX Account name : XXXXXXXX XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX # XXXX Account name : XXXX XXXX XXXX  # XXXX Account name : XXXX XXXX XXXX XXXX # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-04-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TRUIST FINANCIAL CORPORATION (GA)

Hello, I am writing today because I have had all of my major bank accounts closed. It started back in 2015. I had a XXXX XXXX  account & it was closed because I was unable to pay back {$200.00} that had gotten direct debited from my account. So, that account was closed and I still had an account with XXXX XXXX XXXX account, XXXX XXXX and BB & T. I was notified in the mail that those accounts would be closing as well & advised to have my direct deposit set up else where. I am a victim of Identity Thief. Someone at my dentist office stole my identity some how and I was sent an letter in the mail explaining. I also received a phone call from my dentist office explaining that I may need to put a lock on all credit. But, by this time it was already to late. I am XXXX XXXX XXXX & having a hard time with opening bank accounts because of something that someone else did to me. This is unfair and I am with hopes that I may be able to be helped. I have tried calling corporate and explaining to them my issue. I want this to be resolved even if Im allowed to open up an account with restrictions for a while they monitor my account. I just dont think I should have to deal with this because my identity was stolen.
Consumer complaint received 2023-03-29
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: Bread Financial Holdings, Inc. (IL)

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX The inquiries on my credit report auras are XXXX XXXX XXXX XXXX XXXX XXXX did not unauthorized report
Consumer complaint received 2022-04-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Enterprise Systems, Inc. (CA)

National Enterprise Systems has sent me a letter which states I owe XXXX in charges to XXXX XXXX. They reference the account as XXXX, as of XX/XX/2022. 

National Enterprise Systems was made aware that this matter was resolved. My account was credited on XX/XX/2022. 

I ask that National Enterprise Systems remove my name from any collection action, send a letter apologizing for the fraudulent claim & never contact me again regarding this fraudulent item. National Enterprise Systems should have carefully reviewed the account and information associated with it thoroughly, before making any contact with me. This matter shows complete ignorance and lack of professionalism by a desperate company looking to exploit consumers and collect on fraudulent items.
Consumer complaint received 2021-02-02
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: PENNYMAC LOAN SERVICES, LLC. (MA)

I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.
Consumer complaint received 2022-04-02
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. (SC)

XXXX is showing 11 late school loan payments but I have been on deferment and income based repayment plan for five years. No payment due until XX/XX/2022, yet late payments are shown.