davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-05
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: PENTAGON FEDERAL CREDIT UNION (MI)

On XX/XX/XXXX, I received an email from XXXX stating that I had a new hard inquiry on my credit report. Soon after, I received the same alerts from other credit bureaus, credit karma, bank, and credit card accounts. I looked into the alert and saw that I had a hard inquiry from Pentagon Federal Credit Union " PENTAGON FEDERAL CR UN recently checked your Experian credit file for an installment loan or new bank account. '' I then attempted to contact XXXX and Pentagon Federal on XX/XX/XXXX. XXXX was closed for the XXXX XXXX holiday and Pentagon Federal never answered ( I tried the number provided by the creditor, listed on XXXX ). 

On XX/XX/XXXX, I tried to dispute the inquiry via XXXX online but was informed I needed to call. 

Today, XX/XX/XXXX, I contacted XXXX and had the first representative place a Fraud Alert on my account to ensure that I am contacted if someone tries to obtain my credit report. I also filed a dispute with XXXX, over the phone, and they said I should see it removed from my account in the next XXXX hours. They then informed me that I should contact local police to file a report and submit a complaint through the government. Then, they said I need to upload proof that I had submitted complaints and tried to contact the creditor, Pentagon Federal. After I talked with XXXX, I tried Pentagon Federal at XXXX different phones numbers ( XXXX, XXXX, XXXX - no answers or machines to leave messages ), via chat bot ( not a human so wasn't understanding my request ), and submitted a message via their Contact Us page ( have not heard back yet ). Then, I called my local police department to ask how to file a report and they instructed that I should come in and bring any documentation I have ( I am planning on doing this still ).
Consumer complaint received 2018-01-02
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: REGIONS FINANCIAL CORPORATION (SC)

A credit card was opened in the name of myself and my father. My father XXXX XXXX in XXXX XXXX. When probate was started, the savings account, checking account associated with my father, and credit card associated with my father and myself was supposed to have been closed in XXXX, XXXX or XXXX weeks after the XXXX of my father. Four months later, in XXXX I received a letter from the bank that issued the card stating I owed money for a charge from XXXX ( more than one month after the credit card account was supposed to have been closed ). Not only was the card not closed, a charge was made, and the bank expects to hold me liable. XXXX XXXX, the agent who assured us the credit card was closed now says that it was not closed, and that I am responsible for the charge.
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (ME)

During XX/XX/XXXX through XX/XX/XXXX XXXX XXXX is reporting that I am anywhere from thirty days to one hundred eighty days past due, while I was in Forbearance with XXXX dollars owed. They reported this on XXXX accounts. I have sent certified letters requesting statements showing I owed money, they never sent me anything. I asked for an account detail and only get from XXXX to current. XXXX acknowledges that the reporting is incorrect every time I call ; however, every dispute I file with the credit reporting agency, XXXX says the reporting is correct. I have now recorded my full conversation with XXXX for proof. I can't get approved for a home loan or anything. I've been fighting this for years. According to the XXXX reporting I would have defaulted on my loans, thus not being able to receiving further funding. The DOE shows I have never been late on one single payment since I took out my first loan in XXXX. I'm asking for assistance as this is costing me loads of money in interest and the ability to own a home. This is unjust after fighting XXXX years.
Consumer complaint received 2022-09-09
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. (WI)

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. there is some inaccurate information reporting. XXXX  XXXX Bankruptcy Case Number : XXXX Delete this account. 2. The inquiry was not authorized XXXX, XXXX  Date of inquiry : XX/XX/2021 As A Consumer By Law This Inquiry Must Be Removed Immediately. 3. The following status is Incorrect and unverifiable XXXX XXXX Account Number : XXXX Delete this account. 4. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2021 As A Consumer By Law This Inquiry Must Be Removed Immediately. 5. there is some inaccurate information reporting. XXXX XXXX XXXX Account Number : XXXX Delete this account. 6. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX 7. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, IL XXXX 8. there is some inaccurate information reporting. Account Number : XXXX Please remove it from my credit report. 9. The account status is unverified and incomplete Account Number : XXXX Please remove it from my credit report. 10. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX
Consumer complaint received 2018-01-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Prosper Marketplace, Inc. (TX)

My Prosper installment loan is reflecting as open with a balance on my XXXX XXXX credit report when it has been paid off and closed for more than 60 days ( XX/XX/2017 ). My XXXX report shows it correctly with a status of paid and XXXX balance. I have tried to correct this directly with XXXX XXXX however, twice now they have come back and said that Prosper is confirming that the loan is open with a balance. I have attached a paid in full letter from Prosper confirming the installment loan is paid off which is a contradiction to what XXXX XXXX is saying.
Consumer complaint received 2018-01-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC. (FL)

I have been in contact with Navient to attempt to get on IBR to repay my student loans, but I 've been given the run-around. I was on a $ XXXX/month payment plan for a year to get the loans out of default, but the payments did not get the loan out of default and no one has been able to tell me who has posession of my loans now. Every department I call tells me to call the other department that I previously called and they keep passing me off. I need help 1 ) obtaining the information regarding who has the loans, 2 ) obtaining information about the amount owed, and 3 ) getting on an Income Based Repayment ( IBR ) plan to pay the loans off. 

Thank you.
Consumer complaint received 2017-07-12
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: General Motors Financial Company, Inc. (NY)

I have lease a XXXX XXXX XXXX through GM Financial on XX/XX/XXXX. I have returned the leased vehicle at the XXXX XXXX dealer at XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX. phone : ( XXXX ) XXXX, on XX/XX/XXXX. Despite returning the vehicle, GM Financial continued to automatically withdraw monthly payments from my bank account. The two monthly withdrawals from my bank account of {$130.00} were made on XX/XX/XXXX and XX/XX/XXXX. I have repeatedly called GM Financial services on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, to try to have to improperly withdrawn funds returned to me. GM Financial indicated that I have to wait at least 90 days to receive my refund. I believe the refund should be made in a reasonable time frame as the improper withdrawals were made by mistake on the part of GM Financial.
Consumer complaint received 2022-03-11
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Paradigm Assets, LLC (NY)

On XX/XX/XXXX I contacted XXXX XXXX XXXX to settle a debt owed. They were supposed to charge me the XXXX to settle the debt but they charged me XXXX. I am extremely unhappy and the falsely represented himself and lied about the amount owed. And it has not been removed from my credit report. I have the settlement letter and proof of what they took out of my account.
Consumer complaint received 2017-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (CA)

Hello, My name is XXXX XXXX and I currently have a credit card with XXXX XXXX. Back in XX/XX/XXXX I paid off the entire balance and have never used the card ever since. About a month and a half ago, I received an alert from XXXX XXXX that my credit score dropped, I was horrified - I checked and found out that I have a delinquent payment for XXXX dollars plus a late fee of about XXXX dollars, I thought someone was assuming my identity since I knew that I had a XXXX balance. I called XXXX XXXX immediately which was about 2 months ago and asked about the charges, upon review it was noted that the company made a mistake and billed me for fees erroneously. I asked about what will happen to my credit report and was told that in 30 days it will be corrected. Till today, this is still on my report and to every time I call to report to XXXX XXXX over the phone I am told that I need to be the one to petition a removal from my credit report. Please help me with this situation because I feel helpless and with my credit score falling so low, I dont think I will be able to get a car like I had planned because of my score. Please help me.
Consumer complaint received 2017-12-30
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: Sierra Holdings LLC (IL)

I have several unauthorized inquiries and its affecting me getting a loan for my daughter college education. I have several inquiries from XXXX XXXX, XXXX XX/XX/17 XXXX and XX/XX/17, XXXX XXXX XXXX, XXXX XXXX XX/XX/17, XXXX XXXX XXXX XX/XX/17, XX/XX/17, XX/XX/17,  XX/XX/17, XXXX XXXX XX/XX/17, XXXX XXXX XXXX XX/XX/17, XXXX XX/XX/17, XX/XX/17,  XX/XX/17,XX/XX/17,XX/XX/17,XX/XX/17, XXXX XX/XX/17, XXXX XXXX XX/XX/17, XXXX XX/XX/17,  XXXX XX/XX/17, XXXX XXXX XX/XX/17, XXXX XXXX I contacted all these places and customer service would not take care of the negative inquiries on my report
Consumer complaint received 2017-12-30
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: Consumer Portfolio Services, Inc. (IL)

I have several unauthorized inquiries and its affecting me getting a loan for my daughter college education. I have several inquiries from XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX I contacted all these places and customer service would not take care of the negative inquiries on my report
Consumer complaint received 2018-01-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

On or about XX/XX/2017 my wife and I applied for a loan to purchase a used vehicle at XXXX XXXX, XXXX, California. We were trading in two vehicles for the one. We were told the loan was approved by XXXX XXXX XXXX XXXX, XXXX XXXX, California. A week after bringing the vehicle home and the dealership having our two vehicles, we were called by the dealership to go back and sign new paperwork since XXXX XXXX declined the loan. Without our knowledge the dealership made several inquiries ( hard hits ) on our credit to get a loan approved. A few days later we started receiving letters from various banks and credit unions explaining why were declined. We received one letter from XXXX XXXX which explained that although I had a credit score of XXXX I was declined for various reasons. One of the " key factors that adversely affected my credit score '' was " time at current residence ''. I have tried to contact XXXX XXXX, my personal bank, Experian and the Federal Trade Commission in an attempt to determine how it is possible 23 years at my current residence could adversely affect my credit score. I  have not been able to find an answer to this question! This should be spelled out somewhere with some agency.
Consumer complaint received 2024-01-30
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. (AL)

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 XXXX XXXX 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/ XXXX XXXX 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 2021-09-09
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (NY)

I send a request for validation letter to LVNV Funding on XX/XX/2021 via usps certified mail and they received the letter on XX/XX/XXXX ( proof attached to this complaint ). 
The company had 30 days to respond to the request for validation letter and they failed to provide me with proof of validation. this company is violating the Fair Debt Collector Practice Act by failing to provide me the information requested at this point they on default and in violations of 15 usc 1692 and 15 usc 1681n ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any CONSUMER is liable to that consumer in an amount equal to the sum of Pursuant 15 usc 1602e i am the natural person and the only one who can validates the alleged debt. I do not owe this debt and I refuse to pay this debt. I want this company to remove this account immediately of all CRA 's due to failure to provide proof for validation and default for not responding within the 30 days.
Consumer complaint received 2018-01-02
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. (TX)

My XXXX installment loan is reflecting as open with a balance on my Trans Union credit report when it has been paid off and closed for more than 60 days ( XX/XX/2017 ). My XXXX report shows it correctly with a status of paid and XXXX balance. I have tried to correct this directly with Trans Union however, twice now they have come back and said that XXXX is confirming that the loan is open with a balance. I have attached a paid in full letter from XXXX confirming the installment loan is paid off which is a contradiction to what Trans Union is saying.
Consumer complaint received 2022-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MI)

My name is XXXX XXXX and It's been so agitating waiting for Experian 's feedback to my previous complaints about getting some incorrect stuff in my report. All the items that are reported were truly inaccurate and erroneous. I have been sending you written requests to correct these items but you have failed to do it or at least notify me about the status of my requests. Below are the questionable accounts I am disputing. 

XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2021-09-09
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I sent a dispute letter to Transunion about a bankruptcy that they are reporting on my credit report. Their answer was that they verify the account with the furnisher, but the furnisher which in this case is the court send me a document saying that they don't share information with the bureau. TransUnion has failed to send me proof of verification including method of verification as they are required by the law. Attached are the previous letters I sent to TransUnion.
Consumer complaint received 2018-01-02
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. (WI)

Please see attached document for full description of complaint. I am demanding a letter detailing the procedures used to substantiate TransUnion 's investigation into the validity of two accounts. 1. XXXX XXXX XXXX XXXX 2. XXXX. 
**********Please note I am preparing to take civil action if this is not resolved properly*******
Consumer complaint received 2018-01-02
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (CT)

This debt was paid over 5 years ago to XXXX XXXX and now it has been sold to a collection company name XXXX XXXX XXXX and it is currently being displayed on all three credit bureaus and I would like for this to be removed from all three credit bureaus as soon as possible
Consumer complaint received 2018-01-02
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC. (VA)

On XX/XX/XXXX I withdrew {$500.00} from a {$1000.00} line of credit I opened with CashNetUSA to pay an emergency bill. On XX/XX/XXXX I withdrew {$500.00} from the line to pay another emergency bill. When I had {$300.00} withdrawn from my checking account on XX/XX/XXXX in payment I was stunned & called their XXXX to find out if the minimum payments were always going to be that much, I was told by the representative that the next payment on XX/XX/XXXX would be for {$350.00} & none of these payments would reduce the principal at all. The representative told me this was disclosed to me & I do not believe I was given a detailed disclosure with clearly written examples when I foolishly opened the account. Very sorry. These payments are exorbitant & earn the title of " Loan Shark '' for CashNetUSA. A portion of these outrageous payments should be applied to the principal. I am elderly & depend on a monthly Social Security payment. Please see that others are warned about this " business ''! Thank you.
Consumer complaint received 2018-01-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY (UT)

I applied for and received a mortgage through XXXX XXXX, a company in Utah. After receiving my loan, they sold my mortgage off to XXXX with the stipulation that I paid my first months mortgage ( Due XX/XX/XXXX ) directly to XXXX. I wrote and sent my check on XX/XX/XXXX for the amount of XXXX. It was processed and went out of my account on XX/XX/XXXX. There was also another payment that went out on the same Check number for the amount of XXXX. I did not authorize this amount and never wrote a check for this amount, nor is it possible to write a check for a different amount using the same check number. After contacting my Bank and XXXX XXXX on XX/XX/XXXX, It was made known to me that Wells fargo, the lending company 's bank, was the one in error. It was said that they possibly paid someone else 's mortgage with my Check information. My bank said there is nothing they can do, such as a stop payment, because the check went through. I am not sure why this is possible that that same check number was used twice. I was told to be patient and that Wells Fargo would fix the matter. I contacted my bank and again was told that there is nothing that can be done on their end, meanwhile my account is overdrawn and I am missing XXXX $ from my account. I called XXXX on XX/XX/XXXX and am told that they can do nothing unless the mortgage company calls in. I am still without my money, that I did not authorize to be taken from my account, and I am unable to pay bills or even deposit money into my account since it is in the negative.