davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-22
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

On XX/XX/2022, I paid and settled in full XXXX collection accounts on all three of my credit reports, TransUnion, XXXX, and XXXX. Three were reported within a week of settlement, two notated as settled in full and one completely removed. Three were reported per the collection agency, however, were not reflected on the credit reports themselves ( I disputed these ). I ran my reports on Saturday, XX/XX/2022 and the last XXXX were removed from what I could view. I contacted TransUnion via phone and chat within the last week and requested information as to why my score has not been updated when XXXX collection accounts were resolved and/or completely deleted within the last XXXX weeks. I advised them that after the first XXXX accounts were updated, my score increased XXXX points or so, however, another collection account ( a utility bill from XXXX ) was added which dropped it back down XXXX points which seems odd considering it is XXXX account in comparison to XXXX. They initially advised me that there is an algorithm that calculates the score. They then advised me that the score does not get updated for 30 days after the account is updated, we know this is not the case considering the recent events and this is not the first time I've had an account resolved throughout my credit history. They had no further information for me. I'd like this investigated as to why my score is not being amended to reflect the recent resolved accounts. This is not only delaying my ability to purchase a vehicle but other products such as adding lines to my cellphone service with XXXX. My score is currently XXXX with TransUnion, XXXX with XXXX and XXXX with XXXX. I have XXXX collection account on my report as previously stated that needs to be resolved, XXXX. With that being said, there is no reason my scores should not have increased significantly. 

Please note I can not upload relevant documentation including credit reports, payment confirmation ( XXXX ), and chat conversations due to error message.
Consumer complaint received 2022-07-27
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: ZuntaFi Corp (MN)

I took out a student loan in 2007. 

I asked Zuntafi to produce all contracts, terms, and conditions associated with my student loan, which they continue to sell off to many new entities. Today, I received yet another email saying they sold my loan. Despite this, I have not been given my loan agreement, and all terms, contracts, and conditions for my student loan. I've asked NUMEROUS times in writing to be given such information. Finally, I was given an illegible blurred copy with many writings all over loan terms, just as if the company was INTENTIONALLY trying to prevent me from reading the terms. They also have been circumventing my requests like after I asked for a copy they just send basic forms I filled in to sign to get the loan, but they won't send me all terms and conditions associated with this loan. 

Over time, the XXXX XXXX, Zuntafi, has continuously appeared to make up new and more rules or changes to my loan without my knowledge, without my consent, and while refusing to cooperate in my right and request to be given my full terms and conditions of my loan. 

Their staff has been rude, belittled me, and been uncooperative at giving me the basic knowledge and information about my loans. 

The student loan company, Zuntafi, stated I exhausted all forbearance available for my loan and that they only offer it twice. But they refuse to produce any records of any kind, including my contract stipulating such. They continue to make up and change all aspects without my knowledge or consent associated with my loan. Based on the information I did receive in a barely illegible document, the company has made up terms and conditions that are beyond what's in the contract. I believe their practices break consumer protection laws. 

Despite online materials on their website saying they offer a cosigner release, they are also falsely advertising that they offer that cosigner release. When I went to take advantage of that recently, they refused to honor it despite their website saying their company offers such. There's no part of their site that says loans are excluded. 

Based on their lack of cooperation, refusing to produce or ignoring my request to produce all contracts, terms and agreements associated with my loan, and making up new terms and conditions even contradicting their website, I believe this company is breaking consumer and student loan related protection laws and fraudulently deceiving me and others that enter into loans with them.
Consumer complaint received 2022-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC. (FL)

Equifax is refusing to unlock my account after i have sent them my personal documents they have requested and are now claiming they have lost my documents i sent because after i have gotten them on recorder claiming on XX/XX/XXXX they have received my documents from a supervisor and an agent they are now claiming their is nothing in the system of any documents i've sent when i have on recorder otherwise and my fax telling me my documents were received. Equifax is giving me a very hard time and i feel that they are not being transparent and abiding by the fair credit reporting act. This problem needs to be fixed as soon as possible and immediately because it has already been more than 5 days which they have told me twice it will take to unlock my equifax and get my login whiuch should not have been locked in the first place. I feel that Equifax must compensate me for the damages they have cause me to endure while losing my documents and cause my score to be damaged for the period they have kept me waiting and are now hanging up the phone on me every time I call to attempt to recover my equifax account to get in their to fix what has damaged my score and payment history.
Consumer complaint received 2022-07-27
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: OSG Group Holdings, Inc. (CA)

Original debt was from XXXX XXXX XXXX for {$200.00}. XXXX XXXX XXXX sold the debt to Debt Management Partners in 2021 according to XXXX. I received several calls from " XXXX '' the " XXXX XXXX XXXX XXXX '' threatening to arrest me for bank fraud. XXXX also called my husband, both my elderly parents and my employer. I asked XXXX to send me proof of my debt through mail and he refused and continued threatening me. I asked him not to contact me, or my family members, or my employer, but he has continued to do so. Sometimes 10 times per day, leaving threatening messages and telling my employer and family members details about my debt. I called the number XXXX referred me too and a receptionist answers for a company called " XXXX '', but they will not give me a mailing address because " they don't disclose that information ''. The phone number for " XXXX '' is XXXX. XXXX has called me from numerous different numbers.
Consumer complaint received 2022-09-22
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I am a victim and survivor of XXXX XXXX XXXX XXXX. 
I submitted a notarized self attestation under the penalty of perjury in addition to a copy of my birth certificate, a list of adverse items to be blocked that are a direct result of human trafficking. 
I spoke with a manager at the number designated for survivors and was told on a recorded line that my notarized self attestation was not acceptable that I needed to submit additional victim documentation. The information was in violation of rule 605c. Please block the adverse information listed and provide further compliance training for Experian compliance management and their employees that will handle disputes from XXXX XXXX 

XXXX mailed me confirmation of a fraud alert that I DID NOT request. 

Please review the FINAL RULE of 605c and require additional compliance training.
Consumer complaint received 2022-09-22
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: FAIR COLLECTIONS & OUTSOURCING, INC. (TX)

XXXX, XXXX XXXX XXXX are braking the law! 

Under 15 USC 1681 a number 3. You guys assumed this role without permission not only that you did not have my consent. You guys did not respect my right to privacy which is under 15 USC 1681 a number 4. You did not exercise your grave responsibility, you were unfair, you were partial.

15 US Code1681b ( You need permission to report on my CONSUMER report ).

15 U.S. Code 1692j ( a ) It is unlawful to design, compile, and furnish ANY form knowing that such form would be used to create the FALSE belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. Communicating with a third party that I owe a debt is illegal! 
I would also like to add I didnt give them permission to have my personal identifying information which they obtained by aggravating identity theft in accordance with 18 usc 1028A.

15 USC 1692b : Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall- 15 U.S. Code 1602 p ) The term " unauthorized use, '' means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. 

XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Date opened on XXXX XX/XX/XXXX, XXXX XX/XX/XXXX & XXXX XX/XX/XXXX Amount- {$280.00} FCO XXXX Original Creditor : XXXX XXXX XXXX XXXX - Date opened on XXXX XX/XX/XXXX & XXXX XX/XX/XXXX Amount- {$3800.00} XXXX ( Original Creditor : XXXX PARTNERS ) - Date open on XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Amount- {$1800.00} My one year and I are experiencing hardship of the illegal practices that is reporting on my CONSUMER REPORT and financial distress. I feel validated! We are homeless and have no where to stay due to this matter. 
I am DEMANDING you to remove these collections accounts! 







for Improper use on my consumer report.
Consumer complaint received 2022-07-15
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: PLANET HOME LENDING, LLC (NJ)

Despite multiple written requests, the unverified account listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXX but I never received a response from them. These account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these account, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$370000.00}.
Consumer complaint received 2022-09-21
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: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

Please consider this a formal request to investigate and correct the following inaccurate items on my credit report issued by your agency. These items must be removed in order to show my true credit history. I make this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of 1997. As required by the Act, I demand that you re-verify each of these items, and that the inaccurate items be deleted from my record.
Consumer complaint received 2022-08-16
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. (MA)

I applied for a home equity loan. The lender sent 2 letters one for myself, and one for my husband. My notice states under my score factors : 1. Number of accounts with deliquency 2. Too few accounts currently paid as agreed 3. Proportion of loan balances to loan amounts is too high 4. Length of time accounts have been established I dispute all of these statements. I have no delinquent accounts. My accounts are all paid as agreed. The only loan I have is my mortgage, myself and my husband are on this, the original amount was approx. 280,000. The balance is XXXX. Never a late payment. None. I actually send extra towards the principal every month. My current home value is {$400000.00}. +. The length of time accounts have been established. What does that even mean. I have credit cards that are XXXX XXXX XXXX, no balance. no late payments. I have a credit card that is about XXXX XXXX XXXX. No balance, no late payments. 
Have I had these accounts too long, or not long enough. Ridiculous erroneous information. 
I was on a chat with trans union consumer US, that was abruptly discontinued with no resolution. Just repetitive questions that got me nowhere then hung up. 
So here I am, trying to get these negative, inaccurate items cleared up. Thank you.
Consumer complaint received 2022-09-18
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: Mercedes Benz Financial Services (OH)

In correspondence with my last complaint, i stated a down payment was illegal. A down payment is not illegal HOWEVER a downpayment in a transaction that uses consumer credit IS IN FACT ILLEGAL! so why was I charged a down payment in order to be approved to get my car. According to the laws ( see attachments below ) i should not have been charged a down payment in my consumer credit transaction. They approved me but then I was rejected simply because i did not want to put a down payment which isnt fair at all because asking for a down payment in a consumer credit transaction is TOTALLY ILLEGAL!!! i am requesting that i am given the car i applied for IMMEDIATELY with NO STIPULATIONS OR DOWN PAYMENT! If my request isnt honored upon notice of my complaint i will immediately file this lawsuit with my lawyer. Pick your choice.
Consumer complaint received 2022-08-01
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a XXXX XXXX over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been XXXX XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact Transunion more than XXXX times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX XXXX cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Consumer complaint received 2022-08-16
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. (NY)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-11-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (GA)

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, GA XXXX Email : XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Dear Consumer Financial Protection Bureau , Subject : Urgent Request for Assistance with Ongoing Hardship Caused by MOHELA and the Department of Education I am reaching out to you as a last resort, seeking urgent intervention in a situation that has placed me under unbearable financial strain. For years, I have been paying on a federal student loan serviced by MOHELA, yet my balance today is almost identical to what it was when I graduated in XX/XX/XXXX. Despite paying nearly {$24000.00} toward this loan, I am trapped in an endless cycle that I simply can not break. 
The impact of this unyielding debt is overwhelming. With retirement approaching, I am facing the stark reality that I may never be free of this financial burden. I have followed MOHELA 's set payment amounts for over a decade, never missing a payment, even through a bankruptcy that was no fault of my own. I have done everything within my power to meet my obligations, yet I am seeing no progress. This debt is now threatening my peace of mind, my health, and my ability to support myself as I near the later stages of my career. 

As a United States XXXX XXXX Veteran, XXXX XXXX XXXX XXXX, I have always honored my commitments and approached my responsibilities with seriousness and integrity. In return, I am asking for transparency and fairness. Yet despite reaching out to MOHELA repeatedly, I have received no meaningful responses, only form letters and disregard. My attempts to escalate this matter through the U.S. Department of Education and their Ombudsman have also gone unanswered, leaving me isolated and burdened with a debt I can not manage. 

I am desperately seeking the CFPBs assistance to hold MOHELA and the Department of Education accountable for the prolonged hardship they have imposed on me. I ask for a thorough review of my loan history and an accurate recalculation of interest charges to provide clarity on why my balance remains so high. I need to understand how a debt I have been paying down consistently for over a decade can remain so unyielding, and why my concerns have been ignored by those who are supposed to oversee fair and transparent lending practices. 

The ongoing financial burden is something I can not continue to carry alone, and I hope that the CFPB can help me achieve a fair resolution before this debt claims what little financial stability and peace of mind I have left. I appreciate your attention to this matter, and I hope you understand the urgency and profound impact this issue has on my life. 


Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-12-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (IL)

XXXX XXXX XXXX XXXX, IL XXXX XX/XX/year> USAA Federal Savings Bank XXXX XXXX XXXX XXXX XXXX, TX XXXX Subject : Ongoing Violations of 15 U.S.C. 1666 and 1666a Failure to Address Billing Errors and Reporting Violations To Whom It May Concern : I am writing to formally address USAAs repeated failure to respond to my concerns regarding a consumer credit transaction, which has been the subject of eight ( 8 ) complaints filed with the Consumer Financial Protection Bureau ( CFPB ), dating back to XX/XX/year>. 

USAA is in clear violation of 15 U.S.C. 1666 ( Correction of Billing Errors ). Despite my expressed concerns, supporting documentation, and proven issues, USAA has taken no action to correct the billing discrepancies. Moreover, USAA has failed to provide any clarification or explanation regarding these errors or the institutions apparent refusal to comply with federal consumer protection laws. 

As I have stated over ten times through CFPB complaints, USAA has received ample notice regarding this matter. Despite this, USAA has continued to intentionally report adverse information directly and indirectly concerning my credit rating and standing. This action places USAA in further violation of 15 U.S.C. 1666a ( Regulation of Credit Reports ). 

Furthermore, I question whether my consumer credit transaction has been classified as a charge-off. USAA has closed my account and zeroed out my balance internally, as reflected in my USAA online portal. However, USAA has failed to clarify the status of this transaction, which raises further concerns about the accuracy of the information being reported to credit agencies. 

In accordance with federal law and my rights as a consumer, I am requesting the following detailed payment history regarding this account : 1. The first delinquent payment date.

2. The first missed payment date.

3. Specific details regarding 30, 60, and 90-day late payments, including dates for each payment that was late or missed.

4. Confirmation as to whether this account has been reported or classified as a charge-off. 

I expect this information to be provided promptly and in writing. Additionally, I request that USAA immediately take the following corrective actions : Investigate and resolve the billing errors in compliance with 15 U.S.C. 1666.

Cease all adverse credit reporting related to this matter.

Provide written confirmation of any updates or corrections made to my account and credit reporting status.

Failure to comply with these requests may result in further legal action to enforce my rights under federal law. 

Please provide the requested information and a written response within 30 days of receipt of this letter. If you require any further documentation, I can be reached using the contact information provided above. 

Sincerely, XXXX XXXX