davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-06
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: Porsche Financial Services, Inc. (PA)

On the XXXX of XX/XX/2022 I went to Lamborghini XXXX dealership for a consumer credit transaction and was denied and I was asked about my XXXX XXXX identification documents other rights were violated in the truth in lending act, XXXX, and etc by both parties Lamborghini XXXX and Porsche financial..both partys failed to comply with 15 U.S. Code 1611 and committed several acts pursuant to XXXX5 U.S. Code 1692e 1. I provided my bank account statements as requested by Lamborghini XXXX because I was self employed then I told them the organization/Corporation that supports me financially is a religious/education related purposes corporation/private organization and they intervened by asking what does ( it ; you ) ( organization ) do and then asked to see that bank account for the organization..TILA prohibits creditors from acting in a self-seeking manner XXXX especially when to the detriment of the client..I was Discouraged from continuing the credit application with 0 ( zero ) money down by Lamborghini XXXX dealershipLamborghini XXXX representatives kept saying you not going to get approved I already you are going to get deniedyou got to put some money down..also said verbally your denied because you have no credit or a previous + $ XXXX installment loanI Am only Exercising in good faith The rights under the Consumer Credit Protection Act and Enforcement of the Truth in Lending act..I have audio for the recording stating that vehicle I wanted has a finance charge..I called one of the companies the dealership sent my file to called Porsche Financial I asked them for a financial manager/supervisor and they would not transfer me and kept saying we cant assist youa woman I spoke to hung up on me ( recorded audio ) ..after several attempts I got to someone that assisted me with taking my information about my credit transaction in the underwriting department..name was XXXX ( XXXX ) XXXX said that he would pass on the information and contact the dealershipLamborghini XXXX told me that Porsche financial requirements a down payment at least {$100000.00} ( audio ) more information/evidence/discovery will be disclosed if I file a complaint in federal court
Consumer complaint received 2022-01-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have disputed this debt account I sent transUnsion a letter well over a month ago and TransUnion exceeded the thirty days allowed and by law you must remove this negative account. Afrer being verified it has been determine to not have the same name. 

I would appreciate if you could remove the account
Consumer complaint received 2020-10-23
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. (GA)

I disputed several inaccuracies on my credit reports for XXXX, XXXX  and Experian and have not heard back from them in over 60 days.
Consumer complaint received 2019-11-05
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: EQUIFAX, INC. (LA)

HAVE CONTACTED THE CREDIT BUREAUS ON NUMEROUS OCCASIONS TO HAVE INCORRECT OR OUTDATED PERSONAL INFORMATION REMOVED, HOWEVER THEY ARE REFUSING TO REMOVE THE INFORMATION STATING THAT THE ITEMS COME BACK VALIDATED EVEN THOUGH THE INFORMATION IS CORRECT.
Consumer complaint received 2019-11-05
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. (LA)

HAVE CONTACTED THE CREDIT BUREAUS ON NUMEROUS OCCASIONS TO HAVE INCORRECT OR OUTDATED PERSONAL INFORMATION REMOVED, HOWEVER THEY ARE REFUSING TO REMOVE THE INFORMATION STATING THAT THE ITEMS COME BACK VALIDATED EVEN THOUGH THE INFORMATION IS CORRECT.
Consumer complaint received 2019-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NY)

I am a victim of identity theft and have spent COUNTLESS HOURS trying to repair my credit from fraudulent collections. I have submitted my proof of identity theft successfully to the 2 other credit bureaus, but EXPERIAN refuses to collect my proof!!! They said I have 2 options : ( 1 ) upload online -- BUT THEIR UPLOAD SERVICE DOES NOT WORK ( I've tried so many times, different browsers, file formats, size compression, etc. ), or ( 2 ) mail physically -- NOT SECURE, and WHEN I TRIED TO MAIL IN REPEATEDLY, THEY SIMPLY CLAIM THEY HAVEN'T RECEIVED ANYTHING. And they won't provide an alternative method!!! All the proof is right here in my files, but they won't provide a working way to get it to them so they can resolve these fraud charges!!!!!
Consumer complaint received 2017-08-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc. (FL)

This balance was paid on XX/XX/XXXX, over a moth later I disputed this account with all credit bureaus and company reported to XXXX the account in question was accurate when it was n't, it 's paid and should be removed.
Consumer complaint received 2023-01-30
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Central Mortgage Funding, LLC (NJ)

Hello, I have been in the market to purchase a investment property. With my credit being pulled by my lender I have been getting bombarded with calls from other lenders. One lender in particular XXXX XXXX I have told the representatives 5 times in counting to put me on their DNC list, but I continue to receive calls. 

The two phone numbers that are calls are XXXX XXXX I have received XXXX calls today XXXX and have been getting calls since XXXX At XXXX pm XXXX I spoke to a person by the name of XXXX XXXX He was very rude and when I told him I requested to be put on the DNC he continued to talk over me and try to sell and ask what I was looking to do. He was very unprofessional.
Consumer complaint received 2023-03-23
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: EQUIFAX, INC. (CA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX XXXXXXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXXXXXXXXXX XXXX : # XXXX, XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2017-08-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (WA)

I am having extreme difficulty contacting my student loan collector Navient. On XX/XX/XXXX at XXXX I attempted to contact the Federal Loan department of Navient, and after getting their automated system to understand that I need to talk to a real person I was transferred to another automated message saying that their offices were closed. This runs counter to their " contact us '' information provided online as well as in the automated message that I was transferred to, with both sources of information saying their Federal Loan department was open till XXXX on Fridays. After this I attempted to call another number, and got through to the Private Loan office. The woman I talked to said she could transfer me to the Federal Loan department, but after the " transfer '' I was met with another automated message and a dropped call. I am still trying to contact Navient, but not much is helping.
Consumer complaint received 2023-01-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (SC)

15 USC 1681 Section 602 States That I Have The Right To Privacy. 15 USC 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish my account without my instructions. 15 USC 1666B : A creditor Can not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2024-05-24
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: PENNYMAC LOAN SERVICES, LLC. (TN)

I have successfully paid on a mortgage at multiple companies for over XXXX years. I have NEVER been an XXXX before. I began paying closer to the XXXX last year in XXXX or XXXX when my XXXX began because my work cut back my income while on XXXX and I had to begin paying for my XXXX bills at XXXX hospitals. My wife got into a car accident and now has her own bills for a concussion and is going through the insurance process to find a new car right now. We have depleted our savings and called XXXX for the first time we've ever called anyone and they outright refuse to offer an extension of the XXXX house payment. This option is offered and utilized by many companies, such as XXXX mortgage where I used to work at for 6 years and processed these myself. This allows customers to get back on their feet without their credit being affected because of extenuating circumstances. Sometimes things get out of our control, but the phrase " I'm sorry but '' is extremely unhelpful from a mortgage company. This being the biggest and most important expense means that when I genuinely needed help this one time, it is also the most stressful situation. I've never had such a negative experience but the account rep and their supervisor ( on their recorded line ) repeatedly explained they will not offer anything to avoid my credit being affected if I don't complete the full payment this month. So, this being the first time I ever called them is the last time they are allowed to call me. I placed a " do not call '' on the entire account for me and my spouse, And that really should never happen the first time a customer speaks to their mortgage company with a genuine need. It blows my mind that they are unwilling to help somebody.
Consumer complaint received 2020-10-12
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

This company has not presented me with any validation of this so called debt that they are trying to collect. I didnt receive any notification of my rights to dispute this debt. This company violated my rights when they slapped this account on my credit file without notifying or stating who they were. I do not owe anything of this such amount or to these/this companies. They have sent multiple fraudulent documents by mail of credit card statements. They have not sent me anything showing that this account belongs to me either. Anyone can charge an account. Either its fraud or doesnt belong tonme. I wouldn't know because they have not presented me with validation as I stated before and a statement will not suffice. I will be filing suit if this account is not removed from my report at once. It's also reporting every month negative information which is harming my credit score in the process.
Consumer complaint received 2022-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AL)

1 ) Experian fails to correct reporting issues from XXXX now XXXX  student loan services without investigating. XXXX reports a balance owed as {$150000.00} for attending XXXX XXXX. These are fraudulent charges for attending 1.5 years without getting a XXXX  due to increased intuition and change program plan. 2 ) reporting XXXXXXXX XXXX XXXX Bad reporting has affected my credit score.
Consumer complaint received 2020-10-12
Product: Credit card or prepaid card — Store credit 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 (NJ)

OK HAD LEFT AN ACCOUNT GO DORMANT THEN I NEEDED CLOTHES FOR MYSELF AND MY VETERAN PARTNER XXXX XXXX  ANYWAY THEY LET SALES GO THROUGH I SENT BACK THROUGH CERTIFIED MAIL A LARGE BOX OF RETURNS FOR THEM THEY DO NOT CREDIT ME AND I AM NOT PAYING THEM THEY CLOSED OR DIDN'T CLOSE OR I CLOSED I FEEL AWHILE AGO. 

IT IS THE MOST FREQUENT CALLER OR PUPPY SELLERS IDK
Consumer complaint received 2020-09-08
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: Experian Information Solutions Inc. (GA)

THIS IS MY 2ND SUBMISSION FOR A COMPLAINT. I HAVE ATTACHED DOCUMENTS PROVING MY ODENTITY AMD THAT I AM THE ONE THAT IS DISPUTEING MY INFORMATION.NO OTHER PARTIES INVOLVED.I AM A VICTIM OF IDENTITY THEFT, I NEVER AUTHORIZED THESE ACCOUNTS. THSES ACCOUNTS ARE HURTING MY CERDIT SCORE AND I FEEL FURTHER VICTIMIZED BY THE BUREAUS..
Consumer complaint received 2023-07-21
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: EQUIFAX, INC. (AR)

In accordance with the Fair Credit Reporting Act or FCRA, I am requesting an immediate investigation into these inaccuracies and the subsequent removal of the erroneous items. I kindly ask that you initiate this investigation and provide me with a written response within the statutory timeframe of 30 days, as required by law. I have attached supporting documentation, to verify my claims and request a thorough investigation into this matter. Please find these dosuments enclosed with this complaint. These fraudulent items should be disposed or be removed in my credit file : 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 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 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 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 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-10-22
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: EQUIFAX, INC. (GA)

Please reverse the late payments reported on the following accounts : XXXX XXXX**** The accounts were never past due, I never made a late payment to this company ever please change this, I have a good relationship with these companies.
Consumer complaint received 2021-04-27
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Wallace Management Company, LLC ()

RESPECTIVELY SIR SIR I HAVE THREETY YEARS RELATIONSHIP WITH THE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AND XXXX XXXX  SEVEN YEARS ASSOCIATED WITH THE XXXX XXXX XXXX XXXX XXXX XXXX, SIR I AM XXXX STUDENT OF XXXX XXXX XXXX SCHOOL CONTINUES YET N CURRENTLY IN STUDY ENGLISH LANGUAGE AT XXXX XXXX, SIR KINDLY ALLOW ME TO PERFORMANCE WITH YOU AND GRANTS ME SCHOLARSHIP, SIR I SURE U THAT I WILL PERFORM DUTIES WITH LOYALTY, THANKS, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX,
Consumer complaint received 2023-07-21
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: EQUIFAX, INC. (TX)

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-08-12
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: U.S. BANCORP (CA)

U.S Bank reported me to XXXX on the XX/XX/XXXX for owing {$60.00}, it does n't make sense to me as I walked into the XXXX XXXX XXXX XXXX XXXX, CA XXXX location on the XX/XX/XXXX to close out my bank account. I closed out my bank with XXXX XXXX and I came in on XX/XX/XXXX to verify to why US Bank reported me. XXXX tried to investigate and was not aware to why or eve how I was negative {$60.00} on my checking account. She also recalls me going to the US Bank and closing my account without having any issues. XXXX called the back office to try and figure out to why I was reported. The Back office notified her that they never reported me to XXXX and that XXXX might have some kind of error. I told them I tried to open a bank with XXXX XXXX and was unsuccessful due to being on XXXX. XXXX was transferred 3x and was not able to get any information to why I was reported. After she hung up I showed her my XXXX report and explained that I was reported. On the report it shows that US Bank reported me on the XX/XX/XXXX but when looking at my bank statement I owed XXXX on XX/XX/XXXX and even on the XX/XX/XXXX when it was the ending balance I was at XXXX. XXXX once again called and gave the information over that US bank did indeed report me and the first person she spoke to was not able to have any information to why, They ended up transferring her over again and then the 2nd person said that " US Bank reports people to XXXX every week and then thats the reason to why I was reported. '' I am confused as on my bank statment it shows that I requested to close my bank account on the XX/XX/XXXX and the account getting closed did not go into effect until the XX/XX/XXXX. What is confusing me is that on the XX/XX/XXXX I had a XXXX Balance and that is the same exact day that US Bank reported me to XXXX. I also see that once the account was closed I was charged a {$30.00} fee for " force-closed account fee '' Which I am not sure to why it says force-closed on XX/XX/XXXX if I came in on XX/XX/XXXX to close out my account. PLEASE HELP!
Consumer complaint received 2020-10-12
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. (NV)

I have accounts that aren't clearly mine. This is a second request to have them removed. Please remove them. I also included my personal documents, and I am not a credit repair nor a mortgage company.
Consumer complaint received 2017-09-14
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Alorica Inc. (AZ)

XXXX calls me and tells me where she is from and states that she is calling to collect a debt. She states " You have XXXX hours to call me back or I will send an arrest warrant to your home or workplace. ''