davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (TN)

Please help CFPB and take this seriously, there is derogatory information that is being reported on my personal credit file that is wrong and is making it difficult to find traditional work and secure credit. I have an unverified account from SYNCB/PAYPAL showing a charge off of {$1500.00} from 2011 which I have brought to the consumer credit bureau 's multiple times. They are also reporting that any potential employer is responsible to place a payroll deduction to collect this debt. I had previously disputed this account. I have never done business with SYNCB/PAYPAL. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that SYNCB/PAYPAL provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that SYNCB/PAYPAL Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Consumer complaint received 2018-02-06
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: CITIZENS FINANCIAL GROUP, INC. (MD)

This inquiry was added to my XXXX  credit report on XX/XX/XXXX. I've called the fraud department at Citizens Bank for this inquiry and they have no record of my name in the system. I was transferred several times, and no one could find my name in their system. However, their company still shows up on my credit report. They " can't '' remove it because they have no data information on me. However, someone accessed my report and their name is listed on it. 7 months later, and the inquiry is still there and Citizens Bank is doing nothing to take care of the issue. 
Update : I spoke to XXXX XXXX, Office of the Chairman, at Citizens Bank on XX/XX/XXXX.  She said she needed to obtain a copy of my credit report in order to further investigate this inquiry. I was going to send my credit report, but realized that this is not my responsibility to provide my report to a company who fraudulently pulled it in the first place.
Consumer complaint received 2020-06-03
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: General Motors Financial Company, Inc. (OH)

Yes I contacted on financial about getting car deferred payments. The did grant me  deferred payments. The only problem is. There charging me late penalty fees. I'm going thru hardship due too corona virus. And I'm hoping too get all late fees or penalties waived. I'm also on XXXX too. I don't wana have too file chapter XXXX bankruptcy. So hopefully I can work with them. I'm XXXX years old going thru hardship.
Consumer complaint received 2018-02-08
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. (TN)

Thank you CFPB for assisting me in resolving this matter. To again summarize there is an account showing on my personal credit report from XXXX for {$1500.00}. The unverified account from XXXX showing a charge off of {$1500.00} from 2011 which I have brought to the consumer credit bureau 's multiple times. They are also reporting that any potential employer is responsible to place a payroll deduction to collect this debt- which illegal and outside the statue of limitations to collect on. I had previously disputed this account. I have never done business with XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that XXXX provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that  XXXXCease and Desist all further communications and collection actives and provide the verification of the purported debt.
Consumer complaint received 2018-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (MD)

We are trying to get preapproval from a mortgage company as we are looking to buy a house. We have our accounts at all three credit agencies frozen. It was very simple to temporarily remove the freeze at XXXX XXXX and XXXX. Experian was another story. Their online service often said, " I didn't get that '' even when the data was entered using the keypad. There was inadequate time to enter the PIN number they had sent. Giving up on the phone, I tried the online service. The field for the PIN number was too short to fit the PIN sent to me. I left off the XXXX leading XXXX and was able to get the temporary removal. I told my husband to leave off his leading zeros in the PIN sent by Experian. However, it turns of he had XXXX leading XXXX. His request was denied and they said he had to submit all kinds of information for his request to be honored. We are still waiting to have the freeze removed. Nowhere in the letter containing the PIN, in the phone link or on the online site does it say the PIN has to be a certain length or to disregard the XXXX leading XXXX. This is ridiculous. If we had been trying to get a loan to go with an offer, we would have lost the bid. Why can't Experian give you a PIN that is correct and be as user friendly as the other two agencies?
Consumer complaint received 2022-01-11
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. (TX)

XXXX, Equifax, and XXXX refuse to move public records off my credit report. I submitted my dispute on XXXX and XXXX Equifax, and XXXX had my results on XXXX. They didn't reinvestigate anything. I asked for the contract with my signature on it. They failed to send me any information validating where they received their information from. I submitted a letter from the XXXX court stating they don't report or validate anything to the credit bureaus. I asked that XXXX Equifax, and XXXX remove this public record off my credit report asap. My XXXX and age is playing a big part of XXXX Equifax, and XXXX unfairness. I have submitted all the proof they need several times. I need this issue resolved asap. XXXX Equifax, and XXXX is very XXXX and doesn't put accurate information on certain people credit report.
Consumer complaint received 2021-08-18
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bread Financial Holdings, Inc. (CA)

Sent certified letter requesting debt validation under the Fair credit reporting Act. Company replied with a letter on XX/XX/21 stating that they will continue to publish this account. Company did not provide any debt verification. 

Company employee named XXXX XXXX Stated that there was not enough proof to validate the account to me and should be removed on XX/XX/21.
Consumer complaint received 2021-05-24
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. (FL)

My credit score doesnt match my credit history. I am a responsible consumer with no late payments, no derogatory marks and no late payments in at least 6 years yet my credit score never gets above XXXX for a mortgage. I several types of open accounts, all in very good standing. When an inquiry is made companies are being told that Delinquency or derogatory status on accounts is to recent, not enough balance paid down overtime on first mortgage accounts, not enough available credit on revolving accounts. All of these make me seem like I should have a bad credit history but I do not and when I call to resolve the issue. I am simply told that it is computer algorithm. This issue has been going on for 10 years since I bought my house. Recently my credit on one of my credit cards was decreased by over {$4000.00} because of this type of information that are inaccurately being reported during an inquiry. Currently Im using about 50 % of my credit due to Covid. I dont see how that XXXX XXXX  my previous credit history. I did not work for XXXX months and had to live off of my credit cards when I was laid off for Covid and still never missed a payment.
Consumer complaint received 2023-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (AL)

I have reached out to this company on several occasions only to find that Equifax is by definition committing FRAUD against me as a consumer. Fraud defined : wrongful or criminal deception intended to result in financial or personal gain. See below for how their actions are criminal and fraud.

" 611 - 15 U.S.C. 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. '' Equifax was given an opportunity to correct the errors of a public record on my credit report. They were provided with the Unverifiable results and deletion from XXXX XXXX that was completed on XX/XX/2023. As of XX/XX/XXXX, Equifax claims to have completed a " XXXX '' of the disputed item and verified as accurate through their third-party vendor XXXX XXXX. As you'll see in the attachments, XXXX XXXX deleted the Public Record Bankruptcy from my credit file because it was UNVERIABLE on XXXX XXXX. 
This equates to FRAUD and goes completely against the FCRA which is not a guideline, it is the governing law they must abide by. The public record must be removed immediately. 

The FCRA on this topic provides me as a consumer with the right to complete, accurate, and fair reporting. I requested the information as to what third party vendor was used to verify this public record so that I could attempt to correct it at the source. The courts deny speaking with the credit reporting company, XXXX  denies reporting any information to them, and XXXX XXXX deleted the unverifiable information which this company claims to use as their third-party verification. So, if Equifax is verifying this fraud as accurate and not using the XXXX XXXXXXXX XXXX or XXXX XXXX. Who are they using for method of verification? Simply put, Equifax has lied and needs to correct this immediately by deleting this Public Record Bankruptcy off of my credit report using my SSN.
Consumer complaint received 2022-04-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I XXXX XXXX XXXX filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that this item was verified by the collection agency however there is nothing notated on my credit reports that this item was ever disputed. That is a violation and this item needs to be deleted.
Consumer complaint received 2024-03-16
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CREDIT ACCEPTANCE CORPORATION (SC)

I purchased a vehicle through credit acceptance, the interest rate was 22.5 percent. Then XXXX hit, I couldn't afford the payments, it was all going to interest not the principle of the loan. So I had to eventually I had to do a volunteer reposesssion of the vehicle. Now, it's still reporting on my credit. Becuase, when they resold it for less than the present loan the remaining. So car loan had a remaining balance, the company wanted me to pay the remaining balance.I just saw where Credit Acceptance was in a law suite .
Consumer complaint received 2021-11-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A. (AZ)

The PNC acquisition/merger of BBVA/Compass Bank has been a total disaster. On XXXX all of my accounts were supposed to be switched over to PNC. They had months of notifications of this process. On the Monday ( XX/XX/XXXX ) following transfer 1 personal account was accessible and 1 business account was accessible. I called a customer service number on XX/XX/XXXX and was on hold for over an hour without anyone picking up. I went in to a branch and there was a huge line of people waiting to get their accounts sorted. After 20 minutes of waiting and no new customers being helped I left. I called again on XX/XX/XXXX and after 78 minutes of being on hold finally talked to someone who was acknowledged that not all accounts transferred and they were working on it. On XX/XX/XXXX I went back in to a branch where over the course of 45+ minutes a teller was able to pull up all of my accounts and at least provide me with account # 's even though I still could not access 4 other business accounts, a personal line of credit, a personal money market account, nor a joint account. They took all the information down and said it takes them 3 days to submit the linking of my accounts. The following week I was recovering from XXXX XXXX and watched my accounts. Nothing was linked. The following week I called again and they said they are processing a lot of accounts and it was " only business accounts '' that didn't link. I told them 3 of my personal accounts didn't link either and they had no answer. It is now 1 month from the date of transition and I still do not have access to 4 business accounts and 3 personal accounts and the sum of deposits in these accounts is substantial. To add insult to injury, the PNC representatives go release statements that it is only a very small few accounts that have been effected. I know 11 individuals directly that had BBVA accounts and none of their accounts transferred fully to PNC properly and most of them still do not have resolution. This is an absolute cluster and I can not believe it has been allowed to continue.
Consumer complaint received 2018-02-08
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: CITIBANK, N.A. (CT)

XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX , UT XXXX ( XXXX ) XXXX I want the above account removed from my three credit reports. ( XXXX XXXX XXXX XXXX ) This account says that it was discharged in a bankruptcy. This account was NOT included in a bankruptcy. This account DOES NOT belong to be me and I want this account removed ASAP. 


CITICARDS CBNA # XXXX PO BOX XXXX XXXX XXXX , SD XXXX ( XXXX ) XXXX I also want the above account removed from my three credit reports. ( XXXX XXXX XXXX XXXX ) This account says that it was discharged in a bankruptcy. This account was NOT included in a bankruptcy. This account DOES NOT belong to be me and I want this account removed ASAP.
Consumer complaint received 2018-02-08
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. (TN)

in summer XX/XX/XXXX and again in early XX/XX/XXXX TransUnion experienced a database glitch that deleted EVERYONE 'S TransUnion Inquiries. Once the glitch was realized, TransUnion added them back to my report. it is illegal for an item to be added back to my report without you getting written notification 5 days prior to it appearing. This was transunion issue and not mine. I contacted TransUnion in good faith to ask them to delete the inquiries that they had illegally re-added. The representive XXXX that I spoke with told me that he would not be removing them as of XX/XX/XXXX at XXXX. These inquiries add a hardship and my rights were violated by TransUnion. I am asking that TransUnion stop victimizing me. As a resolution, i am asking that all of my TransUnion inquiries be deleted permanently from my report as a violation took place when they were illegally added.
Consumer complaint received 2018-04-06
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (IL)

I had a salliemae loan that was transferred to Navient. I went to XXXX XXXX XXXX @ XXXX XXXX IL they changed the name of the school and the name of the lender so they can write more loans. I was a student in XX/XX/XXXX. They kicked me out of the program for random drug screening with XXXX  in my XXXX they changed my graduation plans and I fell mentally ill. I fell back on repayment and brought it current with {$900.00} payment and they offered me forbearance to keep it from falling behind again. When six months passed the loan came back {$3000.00} higher than before I paid {$900.00} they told me there is no charge for forbearance but there was and automatically knew this loan would not be affordable. I should have did my paperwork differently because I was actually unemployed when signing up but I wanted to seem professional but my uncle didnt hire me when I left XXXX XXXX calling me overqualified. So the whole application was based on a lie. I was XXXX when I signed it at XXXX and they wrecked my credit and they kicked me out. I didnt smoke at school and I didnt have money to eat yet they kicked me out and made me Retake XXXX XXXX even though I was on my last day and they charged me twice for that course too {$2000.00}. I passed the first time but gave me a 0 with 100 % attendance which dropped my gpa and wouldnt allow me to go to a XXXX school for paid internship which is why I signed up to begin with. She told me if I finish I could get {$18.00} per hour to go to that XXXX   after school. Just all lies fed to an XXXX year old. They make commissions and discredit our involvement.
Consumer complaint received 2018-02-08
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. (OH)

I have been disputing the same items with the Bureau since XX/XX/XXXX, 2017 ; erroneous negative accounts and several unknown and unauthorized inquiries. The Bureau has failed to remove the accounts from my report. I asked for a thorough investigation but that has not happened. They are simply replying verified without explanation as to how they verified the information, or without providing me with the requested documentation ; original contract and my signature.

Also, the Bureau is no longer replying, timely. I am not getting acknowledgement that they are investigating. I am not getting requested documentation as proof of verification. They are violating my consumer rights and this process has become costly and stressful. 
Also, while I have been disputing the items on my report, they continue to insert unverified and unknown items. They will not remove the items or provide proof that I authorized the inquiries or that the accounts belong to me. They are not following credit laws.
Consumer complaint received 2018-10-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NJ)

I have no debt and never had debt. Nonetheless, Portfolio Recovery Associates, LLC, keeps calling me everyday on my cell phone about somebody else 's debt. I do not know who this person is either, and telling them to take my phone off their robocalls has had no effect.
Consumer complaint received 2018-02-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (TN)

Please help CFPB and take this seriously, there is derogatory information that is being reported on my personal credit file that is wrong and is making it difficult to find traditional work and secure credit. I have an unverified account from XXXX 's showing a charge off of {$0.00} from 2011 which I have brought to the consumer credit bureau 's multiple times. They are also reporting that any potential employer is responsible to place a payroll deduction to collect this debt. I had previously disputed this account. I have never done business with XXXX XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that XXXX XXXX provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX 's Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Consumer complaint received 2020-01-23
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. (UT)

XXXX  XXXX  XXXX  # XXXX is reporting a collection to my credit report that is in violation of my 30 Day Right to Dispute, I never received any kind of notice for this collection and I settled it as soon as I found out about it. This should not be on my credit report and needs to be removed immediately.