davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MD)

RE : Discrepancy in Credit Report Listings XXXX  ( Account # XXXX ) I am writing to formally raise a concern regarding a discrepancy in the reporting of my credit account ( # XXXX ) across two major credit bureaus - XXXX  and Experian. My recent review of my credit reports revealed inconsistent information regarding the open date of this account. XXXX 's report shows an open date of XX/XX/XXXX, and Experian is reporting XX/XX/XXXX .This inconsistency is concerning and, as per my understanding, violates the principles of accuracy and completeness as mandated by the Fair Credit Reporting Act ( FCRA ) Under 15 USC 1681 ( a ) Accuracy and fairness of credit reporting The XXXXongress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. I have previously disputed this information, but the discrepancy was reported as validated and the inaccuracy remains on my credit reports. This is not only misleading but potentially damaging to my credit standing. The FCRA stipulates that all information on credit reports must be accurate and complete, and up-to-date. The current reporting fails to meet these standards.Therefore, I request an immediate deletion of the account. The importance of precise and consistent credit reporting can not be overstated, as it directly impacts my creditworthiness and financial reputation.Please find attached copies of the credit reports from Experian, XXXX and XXXX, highlighting the discrepancy for your reference. I trust that you will address this matter with the urgency and seriousness it deserves. I expect a prompt response to this letter, confirming the commencement of the investigation and the actions being taken to rectify this discrepancy. Thank you for your attention to this important matter. Sincerely, XXXX XXXX
Consumer complaint received 2016-06-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Recently, Transunion removed XXXX credit inquiries from my account causing my credit score to increase. Shortly afterwards, they added the inquiries back, causing my score to decrease lower than it was initially. I need these credit inquiries removed completely due to their error and damage to my credit report.
Consumer complaint received 2016-11-01
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Optimum Outcomes, Inc. (NJ)

I have my medical providers in XXXX XXXX and all the bill and patient info is completed by that application. I have no outstanding balance with XXXX XXXX and never had a debt from them against me as I paid in timely fashion. 
Approximately 2-3 years ago when considering buying a house mortgage company has told me that I have on a credit report an outstanding debts ( XXXX ) of them that I have not been aware of, as no notification letter was sent to me. I have used lawyer services to deal with that. In summer last year lawyer has confirmed with optimum outcome that I do not have any outstanding debt with XXXX XXXX. The collection was taken off my account. Imagine my surprise when now a year later again the same company optimum outcomes has again placed a collection without Any notification on my credit with the same supposed debt from XXXX XXXX. Again they have impacted my mortgage process. However now I 'm considering a lawsuit since this is impacting my ability to simply " live ''. I 'm surprised that those kind of business tactics are not punishable by law in protection of consumers.
Consumer complaint received 2016-09-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (CA)

Went to buy car. Learned I had bad credit. Bankruptcy on my report. BK of same name, different social security number. Only Experian contains error, other XXXX bureaus clean. Provided my IDs to bank. Bank wrote letter I sent to Experian. went to BK court. Pulled BK in question, not my SSN, judge signed and court sealed documents sent to Experian. Experian sent a letter back to me they will remove BK at end of 10 years. Bank gave me car loan at terribly inflated rate. Credit report still wrong. No recourse. All online info does n't answer this.
Consumer complaint received 2017-07-19
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: CITIZENS FINANCIAL GROUP, INC. (CO)

I would like to submit a complaint against Citizens Bank. I recently was approved for education refinance loan for XXXX from them to get a new loan with a better interest rate. The funds were disbursed and now I am having two issues with my loan servicer. The biggest problem is my account login page now shows two loan balances, one for the previous loan and one for the new loan. and now they are collecting interest on both loans because the original loan balance has not been shown as being paid. The other issue I am having is that my original loan pay off amount at the time of disbursement was {$30000.00} which means they added {$390.00} to my balance which is not asked for. They have loaned me an extra {$390.00} and that amount has not been either applied to my loan balance or refunded to me. I reached out to them and they said it takes extra time to process but this is taking too long as it has been nearly a week since this has shown and since they are the original loan holder they should be more efficient to correcting and resolving these issues, because everytime they wait I am being accrued extraneous interest charges from a loan that should have been paid off and off the books. So far the extraenous interest charge is almost {$16.00} and growing. I would like this resolved immediately, I would like the extraneous interest I am being charged refunded to me or applied back to my loan and I would like that extraneous balance of {$390.00} loaned to me either refunded to me or applied to my new balance. If this is not resolved shortly I will be forced to take legal action.
Consumer complaint received 2016-02-02
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: AMERICAN EXPRESS COMPANY (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX/XXXX/XXXX American Express XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX Dear American Express, RE : American Express XXXX XXXX Card XXXX XXXX XXXX American Express XXXX XXXX XXXX Card XXXX XXXX XXXX I am member since XXXX and enjoying membership benefit almost 12 years. 
But last 12 years I did n't get any credit line increase. 
If possible to consider my membership 12 years and grant Higher credit Lines XXXX accounts. 
If need more information contact me on XXXX XXXX XXXX XXXX XXXX Thanks. 

XXXX XXXX XXXX
Consumer complaint received 2020-05-01
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: WHEELS FINANCIAL GROUP, LLC. (CA)

https : XXXX This says it all. They are out and out a loan shark company no doubts yet CA allows them to charge 140 % in interest according to a lawyer total plus XXXX $ a day. You can never pay them back by payments. I paid over XXXX $ a month my and bill is bigger then ever. It does no good to contact them at all.
Consumer complaint received 2020-05-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivable Management Group, Inc. (GA) (MI)

I have spoken to 3 people about this problem. 
The debt is not mine they even admitted it was a mistake from their part but no action has been done to remove it from my credit report. 
Im in the process of buying a car and this affects me. 
Thanks
Consumer complaint received 2020-03-04
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. ()

I co-signed for my father for a XXXX XXXX XXXX with XXXX XXXX. We had the car for some time until XXXX when the state of California suffered the most destructive wildfire season on record, the California Governor declared a state of emergency for several counties. Due to this emergency our finances were affected since our only source of income XXXX work ) went slow and at some point, we could not drive to our workplaces and later me and my father were layoff. This situation extended from XXXX to XXXX during these 8 months without work we couldn't afford the car payments and other payment. We back to work on XX/XX/XXXX but by the time the car was repossessed and sold in auction, sad we lost the car due to a situation out of our hands. 
Now I am trying to apply for another auto loan but of course is a scare in my credit history, I have on my personal credit reports the XXXX XXXX auto loan account with a perfect payment history until XX/XX/XXXX and then all the following moths with a repossession status. I called to XXXX XXXX asking for the refrain from reporting delinquent on the account, tried to dispute the account because it should be some regulations for cases like this but they just told me that is not possible to file a dispute or investigate the case. I am filing this complaint asking for the bureau protection, I hope exists some compassion and flexibility when credit customers are affected by major disasters. My credit was deeply affected for this disaster an as credit customers I need to be protected when these events happens and are out of my control.
Consumer complaint received 2018-03-18
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Debt Recovery Solutions, LLC (TX)

Debt Recovery Solutions has reported me to all 3 credit bureaus saying I owe them {$440.00}. I disputed it will the bureaus, and XXXX deleted it, but XXXX  and XXXX have not. The dispute results from the credit bureaus say that the account meets FCRA Standards I have attempted to call DRS several times to get information about this alleged account, and every time I call they tell me that they will send me information to validate the account. I never receive anything from them, and I give them my address every single time. They are rude, and demand payment. I sent a certified letter requesting validation on XX/XX/XXXX, and it is now XX/XX/XXXX and they still have not responded. They continue to report to the credit bureaus, last week they updated again, and my credit score dropped 20 points. I am trying to obtain a mortgage loan, but am not able to because of this account on my credit report. I have called the credit bureaus and explained the situation, that I have no idea what this account is about, and Debt Recovery Solutions will not cooperate and give me any info. The credit bureaus just say they can open yet another dispute, even tho I have disputed it twice before. I am submitting a complaint to everyone that I possible can, and am hoping someone can help me to get this company to delete this account from my credit reports.
Consumer complaint received 2015-05-14
Product: Consumer Loan — Title loan
Issue: Charged fees or interest I didn't expect — 
Company: Select Management Resources, LLC (TX)

making car the car was sold a letter was sent to the title loan company telling them the car going to auction off they never came to get it now they are calling me this loan was made harrssing XXXX XXXX XXXX XXXX XXXX XXXX lone star title loans XXXX XXXX XXXX also XXXX XXXX they call you about XXXX XXXX time per day
Consumer complaint received 2015-12-10
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: The CMI Group, Inc. (OH)

There 's a debt agency calling me everyday 6 times a day. Will not tell me who they represent or leave a voice message. They want me to give all of my info to them before they speak with me. I will not verify my information for a company I do not recognize.
Consumer complaint received 2023-04-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: U.S. BANCORP (CT)

I have a credit card originally issued by US Bank. About a year ago this card was switched from US Bank to XXXX XXXX. Recently, I tried to make three payments to this credit card from my checking account at Liberty Bank. Liberty Bank had recently changed/upgraded their bill payment system. The result was the payments were sent by check, each made out to XXXX XXXX but sent to a US Bank address. US Bank has deposited each the three checks. 

Check 1 - Check number XXXX, Dated XX/XX/23, Amount {$5700.00} Check 2 - Check number XXXX, Dated XX/XX/23, Amount {$5700.00} Check 3 - Check number XXXX, Dated XX/XX/23, Amount {$500.00} Each of the three checks has cleared. Images of the backs of the checks show they were deposited into a US Bank account. I have contacted each of the three banks and none have been able or willing to help me. I will upload the front and back images of the checks.
Consumer complaint received 2021-06-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (GA)

I have tried to use my account with BBT/Truist bank and bank will not release my funds, I have talked to many people.I am XXXX XXXX and XXXX.I need to be able to write checks from my social security deposits.Dates I have had noo access to my social security money from XX/XX/2021 to XX/XX/2021 .I bank with BBT/truist is XXXX XXXX Ga XXXX and in XXXX GaXXXX XXXX I need to pay my bills and write checks.I have opened another account at different bank buit social security wont start that ban until XX/XX/2021.
Consumer complaint received 2018-03-18
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

I did not open the following accounts on my credit report KOHLS EXPRESS THOSE ACCOUNTS WERE OPEN BY MY EX WIFE AND I WOULD LIKE FOR THOSE ACCOUNTS TO BE REMOVED
Consumer complaint received 2024-01-26
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. (NY)

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 XXXX XXXX Acct # XXXX Account Name : XXXX XXXX XXXX Acct # 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 an 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 ( s ) 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 accurate.
Consumer complaint received 2024-01-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (NJ)

I was trying to check credit report / credit score on credit karma only to find out there is a credit card debt showing on my name but different address that I have never been on. 

MIDLAND credit management ( XXXX ) XXXX {$620.00} in collections that I never heard, used and signed up for, address was different but someone somehow got my social security number. 
I have called the MIDLAND credit management debt collector and found details of debt : Account number XXXX XXXX  XXXX XXXX, XXXX. Original account XXXX, Confirmining it was opened XX/XX/year> and sent dispute about fraud. But they sent back a letter stating that we need to file a complaint Consumer Financial Protection Bureau.
Consumer complaint received 2022-09-06
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: EQUIFAX, INC. (NC)

Recently I have noticed some incorrect information on my credit report. I have reached out to XXXX, XXXX, and Equifax for more information but sadly have not received any response at all. It has been more than 45 days since I originally wrote them.
Consumer complaint received 2016-09-17
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: Movement Mortgage LLC (NC)

I have met all the requirements from pre-approval and final underwriting. They have stated that the max on the debt to income ratio for manual underwriting approval is XXXX % and I am at XXXX %. Other applicants with similar circumstances but a different gender, race and age where approved. I am under the XXXX % and they have denied my loan approval. They had me cancel one of my credit cards to meet their approval requirement 's, which has affected my credit. Since beginning the loaning process Movement Mortgage has known my debt to income ratio was 42 % the entire process, but has never mentioned it being an issue. I was told by the loan officer that if a different person on the loan committee did the final overview we would probably have a different outcome which is unacceptable. My life and my family 's life all depended on how one person feels about my age, gender, and race. I have my cash to close, three months ' worth of mortgage payments in reserves, home owners insurance, paid inspection fees, and the seller paid {$5000.00} towards the closing. I was conditionally pre-approved ( met all of the conditions such as closing my credit card ) for a loan amount of $ XXXX ; the contract purchase price was for $ XXXX. The seller paid $ XXXX, bringing the home purchase lower than the max on my pre-approval. Also, my mortgage payments would be approximately {$400.00} cheaper than my current rent which they are aware of. I have been renting for 3 years paying nearly {$1000.00} with no issue per my VOR. The mortgage would only be {$460.00} with about $ 200 monthly mortgage insurance, homeowners insurance and property taxes each month. I have been consistently employed for more than 3 years and I 'm currently employed as a banker. They made a huge deal out of my XXXX time ; discounting my hours worked and scrutinizing my time away from work on XXXX and XXXX ( XXXX ). Due to unforeseen issues with my XXXX and XXXX year old I had to devote some employer excused days to them but my monthly pay never showed a major decrease, if at all. They made it clear that this was a huge negative for them. I 'm also married and my husband is self-employed with a profitable business. We have a family that deserves the American dream that we have worked so hard for and we should n't have been denied this loan. They were clearly discriminating because I am a XXXX old XXXX Mother with XXXX small children ; however I am also a XXXX, with lucrative income, a solid work history, a solid rental history, and a fair credit score. Discrimination is not an option! We have to get justice!
Consumer complaint received 2022-09-06
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. (NC)

Recently I have noticed some incorrect information on my credit report. I have reached out to XXXX, Transunion, and XXXX for more information but sadly have not received any response at all. It has been more than 45 days since I originally wrote them.
Consumer complaint received 2015-05-14
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (CA)

I 'm starting to think that OCWEN is nothing more than a Ponzi scheme ( a swindle in which a quick return, made up of money from new investors, on an initial investment lures the victim into much bigger risks. ) set up by large banks to transfer their loans without permission of the mortgagee to a group of so-called mortgage investment individuals who are supposed to help you qualify for a number of loan modifications. The ignorance of every XXXX of the employees at Ocwen goes beyond stupid. It is now XXXX months short of XXXX years that I 've tried over and over to modify my house loan. I was retired without benefits, i.e., retirement compensation from a XXXX after 30 years of employment after the death of the owner, operated, XXXX, XXXX, of a very successful company. Since my income has gone from XXXX figures to a small XXXX income I would think I would qualify for at least XXXX loan modification. Particularly because my home is under water. The incompetency of the mortgage loan officers, i.e., loosing paperwork XXXX and XXXX times because they ca n't find it on their desk or in their computers is beyond the word irresponsible. After working with the same loan officer for 18 months he never seems to remember who I am during our monthly phone conversations. I 'm trying to lower my payments not increase them. Every single offer I 've received have increased the payment now standing by {$50.00} to {$100.00} dollars a month and Ocwen will not write the modification unless I agree to 10 more years on my loan making it 40 years instead of 30 years. As of today since I 've not agreed to their new terms - they have turned me over to an attorney to start foreclosure on my home.
Consumer complaint received 2015-06-18
Product: Credit card — 
Issue: Transaction issue — 
Company: PNC Bank N.A. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX NEW YORK XXXX XXXX reported my credit card stolen. 
Last replacement card activation : XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX can pnc XXXX XXXX keep my card open