davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-03
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. (IA)

Months ago, I sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (WA)

I have three ( 3 ) FFEL loans owned by Navient, all originated in XXXX. 

A few problems, here. 

1. Why was I never notified about the multi-state settlement with Navient? Wouldn't Navient be required to notify me of the finding against them -- as their borrower -- as of this past XXXX ( XXXX )? Do I need to consolidate my loan to a Direct Loan to receive the settlement? Again, they are all currently owned by Navient. 

2. All three of my loans were originated in XXXX. Aren't they eligible for being forgiven after 20 years from the origination? 

3. If I consolidate to the Direct Loan ( as mentioned above ), would my student loans then be forgiven -- having been placed BACK with the Dept of Education? My loans were originally federal loans. Navient purchased them, after I consolidated, as directed, to be eligible for IDR.

4. I sure would like to be done with Navient ( formerly known as Sallie Mae ).
Consumer complaint received 2023-06-30
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. (MI)

Equifax Dispute CFPB Complaint ID : XXXX The FCRA, or the Fair Credit Reporting Act, says that disputes must be answered in 30 days, and bureaus that fail to meet that criteria can be punished. They must at least respond to you in 30 days, and if they fail in that, the disputed item is required to be removed. If this doesnt happen, the bureau is then in violation of the FCRA. It's been past 30 days and still no response from " Equifax ''. My complaint was submitted on XX/XX/. Please remove the disputed item from my credit file. " Equifax '' is in violation of the FCRA!
Consumer complaint received 2022-08-19
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (ME)

I got a letter mid XX/XX/XXXX that my town had not received my RealEstate Taxes that were supposedly paid XX/XX/XXXX from my XXXX account at loan care. I contaceted loan care to resolve the issue and sent in supporting documents. They said would be handeled in the next 10 days. I waited XXXX week and checked back in and they said was taken care of. I then called the town office and they still had not heard from Loan Care. I called them back and they said that they called on XX/XX/XXXX and talked to XXXX and she said everything was all set. My town office is closed on XXXX and There is no XXXX that works there. They said that they would lescalate and take care of by the next day as I am facing a Lein on my property. Called the next day and they said another XXXX business days. I told them not acceptable as the Lein will be placed before then and she said there is noting I can do and hung up. I want LoanCare to take care of this issue ASAP!!! This is not acceptable.
Consumer complaint received 2023-01-10
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: Experian Information Solutions Inc. (GA)

XX/XX/2022, my XXXX XXXX engine went out while my wife and children were traveling from XXXX headed to XXXX. The local tow truck to a garage where the mechanic diagnosed the vehicle and said itd cost way too much to fix given the value of the car and how much was still owed on it. An economical decision was made to relinquish the vehicle to XXXX XXXX. They sent mail stating theyd keep the vehicle if I couldnt pay it off ( as if that made sense as I told them why I relinquished it to them ), keep the promissory note, and furnish the repo onto my report. They did not disclose I had to consent and state I wanted the repossession reported. XXXX XXXX also reported multiple late payments which violates 15 USC 1681a ( 2 ) ( a ). My transactions are not supposed to be reported at all, good or bad. I believe XXXX XXXX wanted to willfully injure me. They never responded to my response and have continued to call harassing me. The initial letter had a threatening tone to it. The reps that called and those who answered when I reached out with concerns were also snippy. If that has any relevance. 

The Credit Reporting Agencies ( acting as Bureaus ) are guilty of not receiving a court order or express written consent from me, XXXX : XXXX and proceeding to furnish damaging information.
Consumer complaint received 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (IL)

I requested information regarding potential mortgage products from The XXXX XXXX XXXX. I was contacted by multiple staff from XXXX. I never at any point authorized any member of The XXXX XXXXXXXX XXXX to perform a hard pull on my credit. I explicitly advised the lady who called me that I had already been contacted and was already told that XXXX could not help me at this time. I told her I didnt want any hard inquiries on my report. She still ran my report anyway and now I have fraudulent hard inquiries on my report. I have contact the bureaus : XXXX, Equifax and XXXX and they refuse to even investigate this.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (KY)

This is the several times I've complained about being a victim of identity theft. You must remove any account that was opened without my knowledge, consent, or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MO)

XXXX XXXX Attn : Customer Service XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Subject : Request for Removal and Deletion of Personal Information XXXX XXXX # XXXX, # XXXX Dear Sir/Madam, I am writing to request the removal and deletion of my personal information from XXXX XXXX 's records and databases. It has come to my attention that there is inaccurate information associated with my name, and I wish to have my profile entirely expunged from your system. 

I want to emphasize that I have never engaged in any business dealings with Capital XXXX, nor have I ever held any accounts, made payments, or otherwise interacted with your company. Yet, there appears to be erroneous data attributed to me within your records. 

In light of the aforementioned, I kindly request that you promptly undertake the necessary actions to remove and delete all information related to me, XXXX XXXX, from your system. This includes but is not limited to any accounts, personal data, and associated records. 

I understand the importance of data accuracy and compliance with data privacy regulations. I trust that XXXX XXXX will take the necessary steps to ensure that my information is completely removed and that any traces of my presence within your databases are permanently deleted. 

I kindly request written confirmation that my information has been successfully removed from XXXX XXXX 's records. This confirmation should outline the specific actions taken to address this matter. 

I appreciate your immediate attention to this request and look forward to a swift resolution. If you require any additional information or have any questions, please do not hesitate to contact me at [ Your Phone Number ] or via email at [ Your Email Address ]. 

Thank you for your assistance in resolving this matter. 

Sincerely,
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Im in the process of buying a house and Ive paid off the collection and XXXX has proceeded with removing the collection from my account. But time is of the essence and I need this collection removed as per the agreement of this letter. I just cant afford to wait 60 days, I need it removed post haste!
Consumer complaint received 2024-09-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2023-10-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (NY)

On XX/XX/XXXX, I received an electronic communication from the US Department of Education, informing me that my student loans have been forgiven in full by the Biden-Harris Administration . This forgiveness is effective as of XX/XX/XXXX. 

This communication contains the following statement : If applicable, well process a refund for any payments made towards the loans listed above after the effective date of this forgiveness. 

My student loans servicer is Aidvantage. 

My student loans were enrolled in automatic payments with Aidvantage. As such, I continued making automatic payments towards my student loans, uninterrupted, until XX/XX/XXXX. 

My student loans account with Aidvantage shows a number of Payment Reversals which were applied to my student loans accounts between XX/XX/XXXX and XX/XX/XXXX. 

The total amount of these Payment Reversals is : USD {$3100.00}.

I have been trying to contact Aidvantage for the purpose of learning the meaning and status of these Payment Reversals. To my understanding, I am entitled to a refund in the amount of USD {$3100.00}. 

I have been unable to reach Aidvantage at their Customer Service phone number. 
They do not answer their phones. 

On XX/XX/XXXX, I contacted Aidvantage Customer Service via email, inquiring about the status of my Payment Reversals and the status of my student loans refund, if any is applicable. 

As of today, XX/XX/XXXX, I have not received an answer to my email inquiry. 

Also as of today, XX/XX/XXXX, I have not received a refund from Aidvantage. 

Attachments : - Printout of Aidvantage student loans account payments history, showing payment reversals applied as a result of the Biden-Harris Administration student loans forgiveness. 
- PDF printout of Aidvantage 's email acknowledgment of receipt of my written email about the status of my Payment Reversals and Refund.
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.
Consumer complaint received 2022-07-15
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP (TX)

USBANK Online mortgage application - Loan # XXXX. We completed all application requirements for a XXXX conventional mortgage with 20 % down for a second home in XXXX XXXX TX XXXX On the day of close, we were told that underwriting arbitrarily reclassified the loan as an investment property and that our funding, which was previously approved, was now disqualified. The decision was based on the buyer 's explanation section of the application in which we stated that our son would be living there while attending college. Under XXXX XXXX guidelines, a house may be classified as a second home as long as the owner maintains control of the home and lives on the property at least 15 days a year. I have reaffirmed multiple times to the lending team that the property will not be an investment property, will not collect rent and will not leave my control or go under any type of 3rd party management. USBank underwriting refuses to allow us to amend the omission on the buyers statement to include the language that we will live there at least 15 days a year. USBank is now suggesting that we add my XXXX XXXX XXXX son as the borrower and classify the house as a primary residence to bypass the gift fund restrictions on second homes and investment properties. Essentially, we are being asked by USBank to commit mortgage fraud and falsify loan documents to appease a single underwriter. We have been upfront and transparent regarding intended use of the home, source of funds, and all other qualifying factors for this loan. Not once during the 33 day loan process from application until the day of close were we told by anyone at USBank that the entire loan would depend on a single sentence in the buyer 's use statement. We meet all XXXX, XXXX, and Credit and Income requirements for a XXXX conventional note and USBank is using dishonest and discriminatory lending practices to disqualify us from this loan on the day of closing. US Bank has been negligent in their own due diligence and committed gross acts of omission throughout the course of this loan. Furthermore, USBank underwriting is actively encouraging the falsification of mortgage documents in contravention of federal guidelines for mortgage lending. USBank has also allowed forms to be corrected and resubmitted in their favor but refuses to grant us the same opportunity due to a mistake on a single form. Due to USBank 's malfeasance we were forced to go outside of the contract option period and will now lose our earnest money as well as our time and damage to our reputations.
Consumer complaint received 2022-12-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: NAVY FEDERAL CREDIT UNION (IL)

Navy Federal Credit Union refuses to close my account or freeze it even though I have told them multiple companies keep trying to debit the account even though I have cancelled any and all automatic payments and revoked authorization. The bank makes {$29.00} each time one of these companies tries to take money and now I have at least 10 of these fees. The account is negative {$600.00}. They want me to pay before they will close it but each time I add money they add more fees, because someone tries to take money out without my authorization again. I revoked authorization each time Im given the name of the company that is trying to debit the account. I need assistance closing the account and getting a final account statement.
Consumer complaint received 2023-06-30
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: SANTANDER HOLDINGS USA, INC. (SC)

Auto loan through Santander Consumer USA XXXX. Received letter indicating Santander Consumer USA employee inappropriately accessed and used my personal information for their own personal use by sending emails from their employee email account to a personal email account XXXX XXXX  This is a data breach, inappropriate, and a violation of my consumer rights. I didnt not authorize any employee to access my personal information for their own personal use. I have several auto and credit card queries on my credit report. This is a major data breach and Violation per the FDCPA and CFPB. I will be seeking compensation by law suit for inappropriately handling my auto finance customer account personal information.
Consumer complaint received 2022-09-28
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. (TX)

In Accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX. UNKNOWN CREDIT ACCOUNT DUE TO REPORTING AGENCIES NOT PROVIDING IT. CREDIT LIMIT {$2000.00} ( OPENED XX/XX/18, Has violated my rights. 15 U.S.C 1681 Section 602 A. states I have the right to privacy.! 5 U.S.C 1681 Section 604 A Section 2 : It also states a cosumer reporting agency can not furnish a account without my written intrsuction. EXUIFAX : In Accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX. UNKNOWN CREDIT ACCOUNT DUE TO REPORTING AGENCIES NOT PROVIDING IT. CREDIT LIMIT {$2000.00} ( OPENED XX/XX/18, WITH NEGATIVE ITEMS IN YEAR XXXX, XXXX, XXXX, XXXX, XXXX, Has violated my rights. 15 U.S.C 1681 Section 602 A. states I have the right to privacy.! 5 U.S.C 1681 Section 604 A Section 2 : It also states a cosumer reporting agency can not furnish a account without my written intrsuction. XXXX AND XXXX SHOWING " OK '' IN THEIR REPORTING.
Consumer complaint received 2022-07-05
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. (FL)

Account : XXXX XXXX 15 U.S.C 1681 ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 15U.S.C 1681B Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. It is consider a violation, and each violation is a {$1000.00}.
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a XXXX  loan accounts opened numerous times. These fraudulent accounts consist of Dept of Education XXXX Accounts open XXXX, XXXX, XX/XX/XXXX, XXXX in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent Items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2023-06-30
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. (FL)

Despite my persistent efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a significant and detrimental impact on my life, causing immense XXXX and XXXX. I want to emphasize that I did not authorize any of this information to be associated with my name, as I have been a victim of identity theft.