davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-10
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Byrider Franchising, LLC (MA)

In XXXX 2014 my husband and I bought a mini van from XXXX. XXXX in XXXX Ma. We had nothing but problems form the initial inspection it failed. They fixed the issue ( horn ) but we had multiple problems the entire time we had the van. On multiple occasions XXXX the manager of there auto shop never returned my calls about needing things fixed. We had no choice but to give them the van back. We were not comfortable butting our children in it because we never knew when the next issue would arise. XXXX was very understanding when i showed up to give them the van, they even seemed somewhat aware of similar situations. The problem we are having now is it is listed on our credit reports as a repo and having a balance and it is making it difficult for us to move ahead. We really had no other option but to bring them the van back as we did not feel it was safe for our children to be in.
Consumer complaint received 2021-04-22
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: National Credit Systems,Inc. (IL)

I filed disputes in regards to incorrect items on my credit report and sent a letter to verify items. It has been well over 30 days and I haven't received any response regarding the investigation results
Consumer complaint received 2019-10-20
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (NJ)

XXXX XXXX XXXX XXXX , XXXX, As Trustee For Stanwich Mortgage Loan Trust A and Carrington Mortgage Services LLC have, and are in violation of New jersey Statute 52:15D-13 WHICH CLEARLY STATES THAT ANY INSTITUTION SERVICING A MORTGAGE OF AN INDIVIDUAL IN RECEIPT OF THIS CERTIFICATION IS OBLIGATED UNDER NEW JERSEY LAW TO GRANT A  PERIOD OF FORBEARANCE BASED ON THE PARAMETERS OUTLINED ABOVE. 

I had received this certificate of eligibility on XX/XX/2019, which was 39 days before the sheriff sale, in which the above named companies proceeded with by deliberately violating state law by ignoring and refusing to honor, comply, obey, recognize and abide, in which they are, and have been instructed to.
Consumer complaint received 2017-10-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY (MI)

Wells Fargo denied my credit card application because I didnt have a green card ( I have a work visa ) The  requirement of having a green card was not disclosed to me before doing a hard credit pull. My credit score was negatively affected as a result. 

All lenders must disclose whether having a lawful permanent residence is a prerequisite for loans or credit cards. This is just common courtesy that is absent from the US financial system
Consumer complaint received 2017-07-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A. (NY)

I was a loyal Macys customer since XXXX. Then around XXXX, I was out of work for several months due to my XXXX XXXX and was n't able to keep up with my credit card payments. When regained employment, I started making settlements with the various creditors I owed. Macys was my top priority, so I entered into a settlement agreement with them. Now, in XXXX, I am seeing that they are reporting that I still owe them {$1300.00} in credit card debt, which is not only inaccurate but devastating to my credit score.
Consumer complaint received 2018-01-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

These credit bureaus, and these collection companies have admitted that my credit file has been breached. With the help of these thieving collection companies, my personal information is being used all over Georgia with impunity. These collection companies know very well these are not my accounts ; however, these collection companies are seeing blood in the water, and they are focused like the sharks they are. 

We must close these collection companies, and they are unabashed in corrupting my credit report. This is unacceptable and unenforceable, and this is an unscrupulous bid by these companies to inject itself from legitimate deeds against them. My Social Security number, birth date, address, driver 's license information is in the hands of criminals supplies by these collection companies and XXXX, XXXX, XXXX, and XXXX. 

This is precisely the category of data criminals can use to mimic victims to banks, credit card companies, insurance companies, and other businesses defenseless to deception. Lock-up these managers at these collection companies, and the credit bureaus. They are smooth and courageous criminals. This situation emerged since my personal data is cherished to thieves, these bureaus, and these collection companies are in the business of making money legally, and/or illegally. 

These companies are much more than a credit reporting agency. It is a data broker, and thieves who are living like fat rats. It collects information from all of us, analyzes it all, and then sell them. If they think I will kick the can down the road when it comes to my credit. Well, I got news for them today, I am not.
Consumer complaint received 2024-01-29
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. (FL)

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-10-18
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (PA)

I graduated from college over XXXX XXXX ago and made {$5000.00} in payments and they applied all {$5000.00} towards interest. Here they were charging me XXXX % interest while in school when I was n't required to make payments. Even know I was in school I still tried my best to make payments and all my payments went to interest.
Consumer complaint received 2017-10-18
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Big Picture Loans, LLC (FL)

I am trying to pay this loan off as Details were very misleading when applying. I pay {$300.00} plus dollars a momth and I have paid less than {$50.00} to the original loan amount. When trying to pay what they deem the payoff amount I can not make payment nor reach someone in customer service. While all along interest accrues daily. This was by far XXXX of the worst financial moves I have ever made. There are hundreds of complaints against this company. I would like to pay off this loan and NEVER hear from this crooked thieving company again. I have lost my childs medical insurance. Had utilities turned off, all due to the financial strain this bogus loan has caused me. They are the worst kind of predators I have encountered.
Consumer complaint received 2024-02-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA (NH)

I have my student loans with Mohela, Account # XXXX. Beginning in XXXX, when repayments were to begin, they substantially over calculated my payments and actually charged me those amounts for 2 months. When I called to raise the issue with the amounts they told me my account would be placed in forebearance until XXXX and that what I paid would be credited toward the balance such that my first payment likely would not start until XXXX. Then, they started charging me in XXXX and never credited my account. 
Since then, I have tried to get a hold of them without success. This week alone, on Tuesday, I called and had to hang up as i was on hold over an hour. Also on XX/XX/XXXX, I called and asked for a call back but received one. Today, I called, was placed into a hold for over an hour and then disconnected by them. I can not get a hold of anyone to address these issues and am extremely frustrated that i was charged over XXXX $ that has not been credited to my account that should be due to the Federal Government Investigation.
Consumer complaint received 2017-09-24
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Cashing a check
Company: PNC Bank N.A. (AL)

Ok first off I was never welcome into the branch managers office the first visit. I was told I could view a copy of what was acceptable but that 's it only a offer. Further more I did not go to another pnc branch that day nor any other day. This clearly shows fault into your investigation that I believe never really took place. I was very much so discriminated against even brought to tears due to your branch manager or vice president of that branchs harsh judgement and humiliation felt in front of my child. I never lost my temper inside branch location only briefly while talking over phone with your customer service rep. This has not resolved our dispute in no way since I had to read your final report here and the letter you mailed me with check for XXXX $ only said sincerely with no kind of remorse or apology. Upon reading this I want PNC to know im taking my newly found inheritance wealth of at least {$190000.00} and will use a large portion to seek council in order to not only make PNC take responsibility but also now because you blatantly right out lied on me in order to make me out to be the one in the wrong. Further more how can a XXXX 's gift card with my name on it Trump a  employee issued ID from XXXX XXXX. It cant PNC is at fault here and unless you resolve this issue very quickly in the amount no less then {$10000.00} for my daughter and I pain and suffering needlessly inflicted by your leadership members located at the XXXX branch. I will have no other choice but to continue forward with all proceedings. I hope for PNC state you take heed to my demands for this is not a threat but a promise. Today marks the day PNC thought they could mistreat abuse and under estimate a once potential customer but we 're showed in the wrong. My case is strong and my words hold truth. PNC on the other hand lies repeatedly only to deceive themselves into the snares they opened. I pray you make the right decisions and believe the words I have spoken to you on this day for my attorneys will not be as forgiven. Oh and I 'm not cashing your insult to injury {$10.00} check the envelope along with one word letter and check have been filed on my behalf to show the incompetent PNC and failed attempt at bringing this issue to a close. See you in court if I do not hear your response in a way that rings Justice has been served to my satisfaction. Oh and the branch manager you blindly place trust in should not be allowed to work in such a position to place judgements on people making their life burden while that person is dealing with the loss of a love one. Thank you very much.
Consumer complaint received 2017-07-11
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. (GA)

On XX/XX/XXXX I received a notification that there had been a change to my credit report and that there had been a decrease in my score. When I checked my report it showed me that an inquiry was reported with Transunion for a XXXX XXXX card on XX/XX/XXXX for a XXXX XXXX XXXX. I immediately contacted Transunion XX/XX/XXXX to inform them that this inquiry is in fact not mine that has been reported against my social but that it is also an inquiry from almost two years ago! The Transunion representative name XXXX in Special Handlings Department in the United States told me there was nothing that she could do to help me even though she could see this inquiry had just been added to my report from an older date and did effect my credit score. I then contacted a representative at XXXX XXXX XX/XX/XXXX following the call to Transunion to dispute this inquiry. The representative informed me that I was not in their system, that she could not even find my having an account with them and that the card or account for which the inquiry was from does not even exist!! I am very upset about the effect this has had on my credit and this situation has now put me in a position to where I can not move forward with purchasing a new vehicle. I did not apply for any account with XXXX XXXX and want this removed from my credit and would like for my credit score to be readjusted to reflect that. It makes absolutely no sense to me that an inquiry that is not mine and from two years prior can be put on my report without my having knowledge of it but that I 'm constantly being told there is nothing that can be done to remedy this. I want it off!
Consumer complaint received 2024-01-29
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: Experian Information Solutions Inc. (FL)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-03-11
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. (MI)

This complaint to TransUnion was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 

XXXX XXXX Balance : {$370.00} XXXX XXXX XXXXXXXX Balance : {$320.00} XXXX XXXX XXXXXXXX Balance : {$2700.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$7200.00}
Consumer complaint received 2017-10-15
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. (GA)

I woman of flesh have mailed certified letters to all 3 credit bureaus an collection agencies to remove all negativity off my record cause by constitutional laws I did not give authority for these 3 credit bureaus to establish no account an by record my custodian parents did not authorize either. I have ask twice to remove everything from my record an they have failed to do so..i have paperwork I sent an also RECORED calls to all 3 bureaus. So I 'm coming to you as a natural person not no US CITIZEN but original human to please clear my record clean an free from all neccesaties on my credit report making me drown in slave debt wen I 'm the bank an XXXX the debtor. So for the one 's who sold my information to these collection agencies to collect a debt is in fraud, defamation of character, identity theft. Amendment 14 is  powerful an the fakes agencies playing against laws so this will be my last time trying to fix this. 30 days from today of this complaint with no action I will proceed forward with federal law suit. Thank You, sincerely, XXXX XXXX XXXX, XXXX
Consumer complaint received 2019-10-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: EQUIFAX, INC. (NY)

On attached XX/XX/2019 Equifax XXXX Credit report XXXX Equifax represents on page 7 that it has in its possession my signature opening these accounts. It is respectfully requested that Equifax and XXXX XXXX/XXXX email a truth verified copy of this signature to XXXX or remove XXXX XXXX/XXXX from my attached page 13 credit report. 

Equifax additionally represents on page 7/8 that it has in its possession my signature opening this account. It is respectfully requested that Equifax and XXXX XXXX/XXXX email a truth verified copy of this signature to XXXX or remove XXXX XXXX from my attached page 13 credit report. 

Equifax please email my security freeze PIN to XXXX. 

On Page 15 on account of Equifax FRAUD the XX/XX/19 inquiry must be removed.
Consumer complaint received 2017-10-15
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. (OH)

I was going over my credit reports XXXX XXXX, Experian, XXXX and found XXXX  XXXX # XXXX listed on my credit file. I have never seen this account before and I have never done business with this company. I seen accounts from XXXX  XXXX, XXXX XXXX, all of which I have never done business with and never received any types of notification for a bill or account status. I have no ideal who has possibly compromised my personal information. I have filed a police report.
Consumer complaint received 2018-01-16
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (PA)

I have both federal and private loans. XXXX XXXX sold my loans to navient. Since my interest rates have sky rocketed, they have called my family members threatened to take my co-signers belongings. We have copies of all notifications and threats. I have been working with premier documents, but that ends in XX/XX/XXXX,  what do I do?
Consumer complaint received 2018-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

NOTATION : This is a CHALLENGE and NOT A DISPUTE I am always CHECKING for TOTAL COMPLIANT & CERTIFIED COMPLIANT REPORTING that gives testimonial and irrefutable PROOF of the undeniable TRUTH, correctness, completion, timeliness, ownership of, responsibility of, and compliance and or else wise for any and all items accused, even any and all aspects of allegations. 
Per Federal reporting regulations and the MANDATED COMPLIANT Metro 2 format reporting standards of practice any and all items of adversary or derogatory nature must be certified as entirely true, accurate, complete, timely, of documented ownership, of undoubted responsibility, and documented testimonial certificate of compliance marking undeniable lawful standing of claim ( s ). Per law, any deficient of substantial and evident matters of fact ( s ) would be unethically reported and even illegally reported. My state and the federal laws alike agree that neither willful nor ignorant disregard is acceptable, so I demand here today, even RIGHT NOW, that the allegation in challenge be eradicated in full or else wise demonstrated in it's entirety to be compliant in every aspect of its reporting. To retain much less report otherwise would be a vile misrepresentation and done so in unlawful and injurious infraction of mandated compliance laws. The currently unfounded and even not certified true or correct misinformation of which is misreporting is attached to this complaint and must be deleted immediately, so please do so without delay. 
I have attempted to resolve the issue directly with the respective parties, however found that they were non-compliant as per the FCRA and CROA requirements
Consumer complaint received 2017-10-14
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: CAPITAL ONE FINANCIAL CORPORATION (PA)

Disputing Charges with XXXX XXXX originally date XX/XX/XXXX To whom it may concern, It appears this not a typical product/purchase/merchandise dispute case. Even though Ive discussed this with multiple Cap1 representatives Ill go through it again. 
This is a case of Computer hacking and scamming. My computer on the XX/XX/XXXX was hacked and was provided information that if I dont follow these procedures to regain a properly working computer I was in trouble. With the hopes that it would not happen again I fell for this scam, costing initially XXXX for a 5 yr contract. 
I did fall for this scam and quickly spoke to some technology friends and colleagues and I realized my error. 
I immediately decided to cancel my previous credit card xxxx xxxx xxxx XXXX to avoid the charge and decided to not have any further communication with them. 
Capital One did provide requesting service of cancelling this purchase. At this point I think the issue is over. But on XX/XX/XXXX the charge of XXXX from my cancelled credit card surfaces again on my new card account. ( This I find very disturbing in ref the Cap1 policy of charges?? ) So I reviewed this case for a second time and with a Cap1 representative ( XXXX ) on the phone we contact XXXX and speak to XXXX who states that they are no longer charging me for this and case is closed. 
I do thank Capital One for their support and hope this letter provides you finally with enough information to put this dispute case to an end. 
Ive included a few other documents pertaining to my case that I hope will be helpful. 
Most recently besides filing a police report I receive calls from an outfit called XXXX XXXX  XXXX stating that XXXX is going out of business and would provide me a contract closure letter but only if I give them control of my computer again which I denied and was told they will not provide me with a document. 
After sharing all this with Cap1 they still state they require a second opinion on my case and at this point they can do nothing further about it do to time frame limitations. 
And at this point the charge continues to be on my credit card account. 
Please, Please help me put an end to this charge.