davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-20
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Maximus Federal Services, Inc. (TX)

Aidvantage is violating my right to privacy under 34 CFR Part 99 Family Educational Rights and Privacy. Aidvantage has no right and have not been given disclosure to release my personal information to anyone. They need to cease reporting on my credit file immediately.
Consumer complaint received 2020-10-15
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I submitted a dispute to the credit reporting agencies regarding inaccuracies on my credit report on XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, and XX/XX/2020. 

The only investigation that was opened was my dispute sent in XXXX and ever since then, not a single investigation has started. 

I called TransUnion and had an in-depth conversation with a representative regarding my account. The only dispute investigations they have on file was the initial dispute letters they received on XX/XX/2020, and that's it. Not one investigation has been opened since and I have all of the tracking numbers to prove that they did in fact receive my letters. 

I have also not been able to talk to a representative from XXXX. Every phone number I can find doesn't give you the ability to speak with someone. I used the XXXX  app and website and haven't been notified about any disputes for several months either. Again, I have all of the tracking information to prove they received my letters. 

Below, you can see all of the tracking details for the letters I have mailed.

Round 1 TransUnion : Date Sent XX/XX/2020 Date Received XX/XX/2020 Tracking XXXX XXXX  : Date Sent XX/XX/2020 Date Received XX/XX/2020 Tracking XXXX Round 2 XXXX  : Date Sent XX/XX/2020 Date Received XX/XX/2020 Tracking XXXX Transunion : Date Sent XX/XX/2020 Date Received XX/XX/2020 Tracking XXXX Round 3 XXXX  : Date Sent XX/XX/2020 Date Received XX/XX/2020 Tracking XXXX Transunion : Date Sent XX/XX/2020 Date Received XX/XX/2020 Tracking XXXX Round 4 XXXX  : Date Sent XX/XX/2020 Date Received XX/XX/2020 Tracking XXXX Transunion : Date Sent XX/XX/2020 Date Received XX/XX/2020 Tracking XXXX Round 5 XXXX  : Date Sent XX/XX/2020 TransUnion : Date Sent XX/XX/2020
Consumer complaint received 2020-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Dear Consumer Financial Protection Bureau, I have written to TrasUnion on several occasions disputing the fact that the items listed below are incorrect. The credit bureau has either refused to respond, sent a " frivolous '' letter, sent a " working with a credit repair company '' letter, or continues to state that they have verified the debt. Let this be a formal complaint against TransUnion. 

The following accounts are the items the credit bureau has refused to investigate : XXXX XXXX # XXXX XXXX XXXX # XXXX Please note, I have enclosed copies of letters sent to XXXX via certified mail and confirmation of receipt by the credit bureau . Remove these erroneous items immediately. 

Sincerely, XXXX XXXX
Consumer complaint received 2020-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (OH)

Its reporting on all major companies XXXX, XXXX, XXXX, XXXX XXXX that I am behind on credit cards and accounts that I have played off or balances are incorrect I have proof of current accounts which I will post below in the evidence. Then I have an account that is old and it keeps reaccuring and I never did business with the company it was removed in XXXX, and resurfaced in XXXX of XXXX. 
XXXX XXXX  credit card Macy account card I literally begged and was hung up on and avoided from XXXX For Macys to close my account they report it to you as close yet continuing to charge me then I pay the account off once in. XXXX down to half requested to close and I look up and I have a XXXX $ plus bill I pay off XXXX on XX/XX/XXXX to settle the debt to a XXXX balance and they will not update it Citi bank gas card I updated and paid the balance {$220.00} on XX/XX/XXXX and they still have yet to update the payments on my accounts I will attach proof of these below its law to report accurate I formation on a debt according to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681 i ( a ) ]. 9 I am disputing the amount on these items and I asked that an update on all my credit card accounts be issued in an  investigation to the correct amount and to report XXXX balance and when the accounts were properly close and to a erase XXXX XXXX  card which is not mines it keeps reappearing after it's been removed in XXXX I added new lines with XXXX  XXXX yet they haven't updated and its withholding my score jts not fair that I have paid off accounts and they wo t update the information
Consumer complaint received 2023-04-16
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-10-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: HSBC NORTH AMERICA HOLDINGS INC. (NV)

i applied for the card and i did not finish application the company again asked me to come back to finish application i came back to finish and company said refused to accept my application and decided not to aprove my application? even though i had invitation number.
Consumer complaint received 2021-09-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK (CT)

In XX/XX/2021, my Discover Credit Card was stolen and purchases were being made without my permission. From XX/XX/2021 to XX/XX/2021 my card was charged {$11000.00}. When these transactions took place Discover failed to notify me that these transactions were happening. They did not call me or message me asking if I was making these purchases. One of the charges included was a hotel charge in Florida of over {$4000.00}, how can they charge me for that and not call me to confirm it was me. In addition, I only have a {$9500.00} credit limit on my account, so how in the world did my balance jump to {$11000.00}. They have deemed that the transactions are valid, even after I provide proof that I was in CT with credit card statements that showed my presence in CT through purchases I made. I have cooperated with them to the best of my ability, yet they have failed to help me in this terrible situation. They have failed to protect me in this situation and have left me in a position with a debt that I can not afford. The negative impact on my life will be astronomical from this situation, and the only thing they care about is themselves and taking advantage of their customers. They also provided zero proof that I benefited from any of the transactions. 

In addition, there were two fraudulent plane ticket purchases and two fraudulent hotel rooms both booked during the same week. Discover was claiming that I was in two different places during the same week, their only explanation was that my name was on there providing zero proof of their claim. After speaking with XXXX XXXX from the executive office of discover he told me that the only way that they would open the case up is if I file a police report. I went to multiple police stations to try and get someone to write a report for me and they all said the same thing, " We do not write police reports on credit card fraud because of its international nature. '' Yet Discover continues to tell me that I need one. They have pinned this debt to my name with no worry in the world. XXXX XXXX from discover has not been helpful to resolve my issue and has not returned my phone calls. Discover does NOT protect you if you are a victim of fraud. This is my third time writing a complaint with them and its been close to 6 months since the fraud occurred, nothing has changed.
Consumer complaint received 2023-03-10
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: COLLECTIONS USA, INC. (NC)

My name is XXXX XXXX and XXXX XXXX, The Collection company by the name of Collections USA, reported a debt by XXXX XXXX XXXX XXXX on my credit report. When the leasing company, XXXXXXXX XXXX XXXX XXXX  was contacted they couldn't verify my tenancy, and they weren't able to find my former information. The collection agency is falsely identifying themselves as being hired by XXXX XXXX XXXX XXXX and states they received my personal information from them. The former leasing company I leased with is no longer managing that property and is trying to collect a debt to that property they no longer manage. I don't owe past rent, as well as, for the timeframe they claim, because I was residing in another state. Collections USA misrepresent the leasing company, XXXXXXXX XXXX XXXX XXXX, in XXXX XXXX Missouri. XXXX XXXX XXXX XXXXXXXX has no information on me that could have been transferred to Collections USA, as they claimed.
Consumer complaint received 2022-11-22
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: EQUIFAX, INC. (MD)

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. 

XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX  : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an 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 or 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 2020-07-02
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. (MS)

I sent multiple credit dispute with these companies asking them to investigate items on my credit report that are not mine. I sent in a report from the federal trade commission with my personal statement. I also sent in a detailed letter referencing federal laws that the bureaus mist abide by, based on their lack of responding in the time frame and their investigation results they have not abided by these laws.
Consumer complaint received 2022-06-04
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. (FL)

n accordance with the Fair Credit Reporting act 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
Consumer complaint received 2021-08-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CA)

NewRez/Shellpoint. I have been current in all my mortgage payments. I received a call early Saturday morning telling me Shellpoint Servicing for NewRez was calling to collect a debt which could result in foreclosure but he did not know exactly for what or how much. After I asked several questions I deduced it was the mortgage payment. I called the number he gave me on Monday and got nowhere. In fact, I called all the numbers I could find on the internet and got me nowhere. I finally got a reply when I complained on XXXX. They purchased my loan, I got a letter and set up auto pay with my bank but they never sent me any statements after that. They never picked up my insurance coverage with the last lender but were charging me {$800.00} per month for the last 4 months for insurance that I already had on the house. The house payment is {$1100.00} per month.They were sending the statements and all mail to this vacation home in which no mailed is delivered to anyone up there. They are still sending me emails that I owe them this money after I have cleared this up with them. I recall a loan, 3 years ago on my primary house, also sold to them and they were charging me {$1000.00} per month for insurance I already had. It got so bad I just refinanced with another lender. NewRez and Shellpoint are basically the same company however I found one side does not know what the other side is doing. In my opinion, it is a scam they have going to foreclose on people that do not understand the industry. NewRez/Shellpoint should be contacted and instructed to stop charging outrageous fees for home insurance 4 months after the fact when they have not done their due diligence to make sure they have acquired proof of insurance from the last lender and the mailing address is correct. They have a copy of the deed which shows the correct mailing address so they have no excuse. Odd they contacted me by phone after charging me for 4 months for home insurance, {$3200.00}, instead of calling me in the first place. I would not be surprised if other homeowners paid their fees just to get them from harassing them further and fear of foreclosure. This is a horrible way to do business and have never had this issue with any other lender. 
I would think this would be against Fair Lending, U.S. Department of Housing and Urban Development ( HUD ), Full Disclosure laws and the Department of Real Estate laws.
Consumer complaint received 2020-10-08
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. (AR)

XXXX PLEASE LOOK AT THE IDENTITY THEFT AFFIDAVIT ATTACHED****I recently spoke with a representative by the name of XXXX XXXX with EXPERIAN CONSUMER AFFAIRS DEPARTMENT. I EXPLAINED TO MR. XXXX THAT TWO ACCOUNTS BY THE NAME OF XXXX AND XXXX XXXX  BOTH WERE OPENED earlier this year fraudulently without my knowledge or consent. I informed Mr. XXXX these accounts have both been removed from my XXXX  and XXXX  credit reports and asked what is EXPERIAN DOING DIFFERENT TO NOT REMOVE THESE ACCOUNTS AFTER RECEIVING BOTH AN IDENTITY THEFT AFFIDAVIT AND POLICE REPORT. MR XXXX STATED THAT HE COULD NOT EXPLAIN WHY XXXX  OR XXXX  HAS DELETED THESE ACCOUNTS AND THAT ALL BUREAUS ARE SUPPOSED TO USE THE FAIR CREDIT REPORTING ACT GUIDELINES FOR VERIFICATION. MR. XXXX STATED THAT BOTH MY POLICE REPORT AND FTC REPORT DID NOT APPEAR OR LOOK TO BE VALID. I ASKED MR XXXX WHAT HE MEANT BY THAT COMMENT AND HE STATED HE COULD NOT GO INTO ANY DETAILS WHICH DIDN'T MAKE ANY SENSE TO ME. I FEEL EXPERIAN & MR XXXX ARE BEING DISCRIMINATORY AT THIS POINT BY ACCUSING ME OF SUBMITTING FALSE DOCUMENTS WITHOUT HAVING ANY PROOF. I EXPLAINED TO MR. XXXX IT IS IMPOSSIBLE TO COMPLETE AN IDENTITY THEFT AFFIDAVIT WITH INCOMPLETE INFORMATION. ALL AREAS OF THE AFFIDAVIT ARE NOT REQUIRED TO FILL OUT TO COMPLETE SUBMISSION SUCH AS EMAIL ADDRESS & ETC. I ASKED MR XXXX WHAT IS IT THE CREDITORS ARE SENDING EXPERIAN FOR THEM TO VERIFY THESE FRAUDULENT ACCOUNTS BELONG TO ME AND HE STATED THEY DO NOT PROVIDE ANY PERSONAL INFORMATION OR PHYSICAL DOCUMENTATION. I THEN EXPLAINED TO MR. XXXX THEREFORE ANYONE OR INDIVIDUALS WITH MY PERSONAL INFORMATION COULD EASILY OPEN OR ESTABLISH ACCOUNTS IN MY NAME AND IMPERSONATE ME. EXPERIAN CONTINUES VIOLATE MY CONSUMER RIGHTS BY REPORTING THESE FRAUDULENT ACCOUNTS TO MY CREDIT FILE. BOTH OF THESE ACCOUNTS SHOULD HAVE BEEN BLOCKED IN ACCORDANCE TO THE FCRA SECTION 605B. I FIND THIS TOTALLY UNCACCEPTABLE AND IS A BIASED DECISION ON THERE BEHALF. EXPERIAN HAS PROVIDED NO PROOF OF 100 % ACCURATE VERIFIACTION OF THESE ACCOUNTS AND HAS VIOLATED MY RIGHTS BY FALSELY ACCUSING ME OF SOMETHING I HAVEN'T DONE.
Consumer complaint received 2022-09-12
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RANDOLPH-BROOKS FEDERAL CREDIT UNION (TX)

I applied for Texas XXXX XXXX  XXXX and was told that I meet all the requirements for them to pay my past due amount plus three additional months. They have reviewed my application and the only thing they need in order to approve me for the funds is for my mortgage servicer to register with the XXXX program. My mortgage servicer is Randolph Brooks Federal Credit Union and they admitted to me that several customers have been denied funds because RBFCU has not registered to participate in the program. RBFCU will only tell me that upper management and their legal department are looking into, but they can't guarantee that they will participate or give me an ETA on how long it will take for them to decide. In the meantime, I am still at risk of foreclosure.
Consumer complaint received 2022-10-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (MS)

Re : Navient Settlement XX/XX/XXXX My name is XXXX XXXX. I am requesting student loan debt cancellation. According to the https : XXXX I am a borrower whose debt spans generations : my mid-career student loan was applied for through XXXX XXXX XXXX XXXX. I was residing in the XXXX of Maryland when I applied and returned to Maryland after the 2 year XXXX XXXX was completed in XXXX. 
For years Navient failed me ( XXXX XXXX ) and consumers who counted on the company to help give us a fair chance to pay back our Student Loans. Consequentially, prior to and since the XXXX settlement resolution, the interest has accrued due to Navients forbearance steering practices. As a result, this borrowers loan balances has almost doubled from approximately {$50000.00} the original amount to approximately {$93000.00}. 
During the last 24 years, Navient has failed and or refused to disclose accurate information on loan forgiveness after XXXX years of qualifying payments. 
In a recent phone call to the Navient, the representative, misinformed this caller about loan forgiveness and placed this borrower on hold multiple times for XXXX minutes ; and refused to answer questions about the number of forbearances, income driven, deferment applications were filed from this borrower. The representative refused to disclose the number of payments received from this borrower, asking, whats the reason for the question. After being placed on hold for a long period, she answered that the total was approximately {$14000.00}. 

The conduct reforms imposed by the settlement include prohibitions on compensating customer service agents in a manner that incentivizes them to minimize time spent counseling borrowers. As result of said conduct during the aforementioned phone call, Navient has failed to adhere to the terms of the Settlement. After many, many phone calls it appears Navients guidelines for Loan Forgiveness are either impossible or Navient is not following the Settlement terms. As a result, Navient has impeded the timely process of applying for student loan forgiveness. 
Finally, this borrower, XXXX XXXX, did not receive any notification or information from the Servicing provider, Navient of the class action lawsuit settlement. Nor did XXXX XXXX receive a Post Card. 

What recourse is available now that I am well past the age of retirement having worked directly in Public Service positions and currently as a XXXX with XXXX. 
Thank you and I appreciate your consideration and assistance. 

Respectfully, XXXX XXXX, LMFT MA ( XXXX ) XXXX