davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-02-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: CAPITAL ONE FINANCIAL CORPORATION ()

Upon review of my XXXX report I noticed company named : CAPITAL ONE BANK USA N listed and reporting incorrectly which has caused denials from my applications. This account was a prepaid account in which I paid into the Secured account. I was never late on any payments as this account is being reported falsely. This account is showing under XXXX under status " Closed '' Late with a XXXX. This is not accurate reporting. I am requesting this be removed from my credit file. This item is also showing on my XXXX report as " Closed '' and Paid. This item is showing on my XXXX report " Closed '' payment status is " Unknown ''. It is clear that this company has been reporting to all XXXX credit bureaus inconsistently reporting inaccurately caused credit application denials and inconsistent credit scoring. This company has reported XXXX different ways on each report. This company is reporting false payment status, This company is reporting false terms, It has never been late. Please remove.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL (CA)

Synchrony Bank ( XXXX XXXX XXXX ) has been paid in full on my account XXXX as of XX/XX/year>. I disputed the charge with XXXX, and XXXX is reporting as of XX/XX/year> that my balance owed is {$3800.00} when, in fact, my balance on this account is XXXX dollars.
Consumer complaint received 2022-09-06
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: Experian Information Solutions Inc. (GA)

The following inquiries are erroneous and should not be on my credit/consumer report. : XXXX XXXX NA / XX/XX/XXXX ( inquiry date ) XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX / XX/XX/XXXX XXXX Card / XXXX XXXX, XXXX XXXX / XXXX XXXX XXXX XXXX XXXX / XXXX XXXX, XXXX XXXX XXXX XXXX / XXXX XXXX, XXXX The following address needs to be removed as it is not mine. : XXXX XXXX XXXX XXXX XXXX, GA XXXX
Consumer complaint received 2022-02-15
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. (TX)

There are two " hard '' credit inquiries on my TransUnion Consumer Report from XXXX XXXX  XXXX XXXX, dated XX/XX/2021 and XX/XX/2021, respectively. Additionally, there is an inquiry from XXXX XXXX XXXX ' XX/XX/2021. I do not recognize any of the aforementioned inquiries. On XX/XX/2021, I wrote to the inquiries to request proof that I authorized said inquiries. 

On XX/XX/2021, my letter to XXXX XXXX  XXXX regarding both inquiries was returned to me as " Undeliverable as Addressed '', despite using the exact address on the hard inquiry. So far, XXXX XXXX  XXXX has been completely unreachable to verify the inquiry. 

XXXX XXXX XXXX ' has since identified the inquiry as fraudulent and provided both myself and my husband XXXX XXXX with permission letters to have the inquiry removed. Said letter was promptly provided to all three credit bureaus, including TransUnion. So far, TransUnion has failed to remove the inquiry nor acknowledge my request.
Consumer complaint received 2016-05-05
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Diversified Consultants, Inc. (GA)

Diversified Consultants , Inc have consistently harassed me to succumb to paying a debt that I do not owe nor have any responsibilities to. They persistently report on my credit profile an account which other credit collection agencies in the past deemed erroneous and a mistake and have appropriately deleted and corrected with the XXXX major credit bureaus in my favour. 

This aggressive collection account which has been placed on my credit profile is hindering and encumbering my ability to secure any measurable employment. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

TransUnion XXXX XXXX XXXX, XXXX, PA XXXX In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : XXXX XXXX XXXXXXXX XXXX XXXX ) XX/XX/XXXX XXXX XXXXXXXX ( Bank ) XX/XX/XXXX 2022
Consumer complaint received 2022-02-15
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: LOAN TO LEARN (OH)

In XXXX, I was notified that I no longer qualified for a rate reduction that had been applied to my student loan since XXXX. I inquired to the loan servicer, XXXX, and originally restored the rate. Then the rate was reduced again and they said the loan originator verified that the rate reduction was for on-time payments and I did not qualify. I checked my credit report and there are no late payments reported. The loan servicer said I had to follow-up directly with the loan originator, who could be reached by email or phone. I spoke to XXXX from Loan to Learn on XX/XX/XXXX. I requested payment history, which was emailed to me. 
There are two spreadsheets that were emailed to me Friday XX/XX/XXXX. The first spreadsheet was when Loan to Learn, the loan Originator was also servicing the loan. The second spreadsheet was after the loan began being serviced by XXXX XXXX. 
This opened my eyes to a larger potential problem that has not been answered since that point in time. 

For the period of time, XXXX payments totalling {$14000.00} were apparently not applied to principal nor interest. The balance remained at {$42000.00} from XX/XX/XXXX ( the date of disbursement ) until XX/XX/XXXX. 

I have requested, in writing and by phone, an explanation from Loan to Learn and XXXX. 

My last verbal conversation with XXXX with XXXX XX/XX/XXXX, he suggested I seek legal counsel. 

A complete audit should be done by a certified accountant from disbursement, interest, fees and payments.
Consumer complaint received 2019-02-26
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: CURO Intermediate Holdings (CA)

This company charged me a usury interest rate of over 400 % in which I was not aware of, their collection agency has consistently harrassed me, after I, have told them to stop ... because my XXXX year old wife if  sick. I told them that the usury interest rate of 400 % is illegal and to remove their name from my credit report for this illegal activity..Their name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ( XXXX ) XXXX, KS XXXX Phone XXXX Fax XXXX
Consumer complaint received 2019-02-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (CA)

I made a payment of {$590.00} on XX/XX/XXXX to pay off a promotional purchase that expires XXXX XXXX. The promotional purchase still shows a balance of $ XXXXI need the payment made to be applied correctly.I need the balance to be {$0.00} on promotional purchase made XX/XX/XXXX and expiring XX/XX/XXXX to show XXXX balance.
Consumer complaint received 2022-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (RI)

Back in XXXX I had sent a letter with enclosed documents supporting my claim that your company had reported a number of incorrect data. 

I do not understand why your company is reporting the wrong address when XXXX and XXXX are all reporting the correct address. I need you to attend the following shown items on my credit report in which you have provided incorrectly. 

The previous listed address is incorrect. As well as the employer that is listed on my report. I have never lived or have been associated with the addresses you reported. 

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.
Consumer complaint received 2016-05-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: ECMC GROUP, INC. (WA)

I have been making payments to XXXX XXXX for two years. Today I discovered that another company XXXX XXXX XXXX XXXX is holding XXXX of my student loans. I had no idea. I have had the same email and phone number for 15 years and I have NEVER heard from these people, ever. As a result my taxes were seized leaving me in dire straights. What really makes me angry is that if I had KNOWN this loan was with this company I would have addressed it, I could have had them all consolidated so I can make payments together. Because they have acted in secrecy, by never contacting me, two years after making on time monthly payments my credit score is still suffering and I have XXXX loans in default. I have struggled to get my credit on track and this is a huge set back. Not to mention I actually owe XXXX more than I took out in student loans thanks to insane collection fee 's. I want my loans taken from these people immediately. I want them placed with XXXX XXXX, the company who reached out to me and helped me get this started. I also want XXXX to receive repercussions for their part in this.
Consumer complaint received 2017-05-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (TX)

The aforementioned XXXX XXXX agency representing whoever your " client '' is has violated the FCRA by not providing documents to me in regards to this debt. I am unaware of this creditor and have not received anything that pertains to this debt. This account is unverified and immediately needs to be deleted from my all credit files : XXXX, XXXX and XXXX. The business is required to disclose to me all of the documents that they have recorded and retained in their files that pertains to this " debt ''. If XXXX XXXX does not have any documentation other than a bill that they printed, ( i.e. : signature contract agreeing to pay ) they need to retract this from my credit file immediately.
Consumer complaint received 2022-09-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am filing this complaint because I see that Transunion Privacy Policy states : With your consent. Apart from the reasons identified above, we may request your permission to share your personal information for a specific purpose. We will notify you and request consent before you provide the personal information or before the personal information you have already provided is shared for such purpose. You may revoke your consent at any time. 


**At this time I am revoking consent for Transunion to share, sell or furnish my personal information. **
Consumer complaint received 2017-02-14
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (MD)

I applied for a deed in lieu of foreclosure with Ditech in XXXX XXXX, it was finally approved in XXXX XXXX, I had to resubmit all paper work because they told me that the application that was submitted in XXXX was out of date. I complied with their request. They approved the Deed in lieu in XXXX XXXX, after outright lying to me, telling me I had a lien on the property, when there was no lien. I went to the XXXX court and checked the land records for XXXX county, there was no lien on the property. However, the kept telling me that the lien was holding up the deed in lieu. Finally, in XXXX XXXX, I was sent paper work to sign agreeing the the deed in lieu. I have complied with every requirement contained in that letter ( see attached ), so it was no reason for Ditech not to fully executed the deed in lieu as promised I completed all the paperwork and sent back to Ditech by certified mail. I have heard nothing from them since submission of my paperwork. I can not contact them, they will not return my calls, nor respond to my request for a status on the deed in lieu. Then in XXXX XXXX, I received a Notice of Intent to Foreclosure and no one can tell me what happened to my approved application for a deed in lieu.
Consumer complaint received 2020-10-19
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: Experian Information Solutions Inc. (CA)

Dear Experian, I checked my personal credit report, which I acquired from your company on XXXX of XXXX  and I noticed that a FRAUDULENT inquiry that had been made on XX/XX/2020 is still being reported on my credit report. I contacted XXXX XXXX XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. According to XXXX XXXX XXXX, they can not see the inquiry and so they can not remove something that isnt there. I request that you initiate a REINVESTIGATION into XXXX XXXX XXXX ( XX/XX/2020 ) inquiry on my credit report to determine who authorized this hard inquiry. If, once your REINVESTIGATION is complete, you find my allegation to be true, please remove the FRAUDULENT inquiry. ( Do not send me anything via US mail. ) Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was FRAUDULENT. If you find the inquiry referenced above to be valid, please respond only via the CFPB PORTAL with a description of the procedures, used in your REINVESTIGATION to determine that this inquiry was not FRAUDULENT, within 5 days of the completion of the REINVESTIGATION. This includes providing the name, business address, and telephone number of the furnisher ( s ) contacted in connection with this FRAUDULENT hard inquiry. Thank you for your assistance in this matter.
Consumer complaint received 2015-05-08
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: PRESTIGE FINANCIAL SERVICES INC (MO)

My vehicle was declared a total loss by the insurance company. I have both full coverage care insurance and GAP insurance to cover the vehicle contract for fees that the insurance company did not cover. My insurance company paid the claim and the GAP carrier provided information to cover additional expenses with the exception of a $ 54- {$56.00} NSF fee that was incurred earlier in the contract period. After those payments were received by the vehicle lease company I was charged excessive 'interest fees ' on the outstanding balance. The only outstanding balance was an old NSF fee that the company neglected to advise me of. I do not believe it is in the consumer 's best interest to have interest fees assessed on an amount that was not disclosed until AFTER the insurance company declared the vehicle a total loss. I also do not believe it is in the consumer 's best interest to have interest fees assessed on an amount that is different from what was provided to the insurance company and the GAP carrier.
Consumer complaint received 2015-08-27
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: CHECK INTO CASH INC. (MO)

Took out a, loan of {$550.00}, payments automatically taken from my XXXX card for {$100.00} on the XXXX and XXXX of each month. Interest rate is % XXXX totalling XXXX being paid back on a {$550.00} loan. I have since lost my job.
Consumer complaint received 2020-10-19
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: Experian Information Solutions Inc. (MA)

Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. 
What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Consumer complaint received 2016-04-06
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: AES/PHEAA (MD)

I have contacted FEDLOAN on numerous occasions regarding receiving a monthly payment reduction. I was told that it could not be done and then was given a slight deduction that was still above what I expressed that I could afford. I have tried to work with this servicer for 2 years to no avail but now receiving threats of default when I tried to resolve the problem.
Consumer complaint received 2022-09-06
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened as a result of fraud
Company: PENTAGON FEDERAL CREDIT UNION (NV)

Hello Today I received a letter stating I had opened an account with PenFed Credit Union. I have no knowledge of ever opening an account with this institution. I call to PenFed Credit Union and the first call was directed to rewards center. after a representative transferred the call. I called back and the call was placed on a very long hold, reprentative came back on said they were filing a fraud claim. I then asked to speak to a supervisor and again a very long hold time. This representative advised me that the account was opened XX/XX/2022. I asked who set up the account she had no knowledge of who opened the account. I then advised the representative that someone used all my personal information to open this account.Supervisor advised because I opened a loan with loan pal and i agreed to this account being opened. I never agreed and this may be fine print
Consumer complaint received 2022-02-15
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: Experian Information Solutions Inc. (TX)

There is a hard inquiry on my Experian consumer report from XXXX Bank ( hereinafter referred to as " XXXX '' ), which is dated XX/XX/XXXX. In late XXXX, I noticed this inquiry and did not recognize it. Therefore, I asked XXXX Bank to investigate it and, if unfounded, to remove it. 

On XX/XX/XXXX, XXXX Bank wrote to me to inform me of their findings of their investigation. XXXX indicated that they were unable to verify my authorization for the inquiry in question. Therefore, they requested that the major credit bureaus ( including Experian ) remove the inquiry in question immediately. Additionally, I sent a copy of the letter to Experian, just for good measure. 

It has more been more than XXXX ( 30 ) days since XXXX Bank ordered the removal of said inquiry, as well as after I mailed Experian a copy of XXXX 's letter. Evidentially, Experian is willfully ignoring our correspondence. 

Pursuant to the Fair Credit Reporting Act ( FCRA ), Experian only had XXXX ( 30 ) days to remove the inquiry in question. As of today XX/XX/XXXX, Experian as so far failed to remove the inquiry. Therefore, I ask that the CFPB to intervene and order Experian to remove the inquiry from XXXX Bank.