davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-09
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: NAVY FEDERAL CREDIT UNION (TX)

Hello, My grievance is on the partiality ( Biases ) that Navy Federal have against XXXX Veterans 100 %, that have filed a Chapter XXXX Bankruptcy. This institution will not let previous members with financial problems due to life changing events to maintain their membership. I find that the ADA should also be aware of their biases against the financial strain of the XXXX. Also, they cant used I had some returned checks as I was being fraudulent. If that was the case, they would not have any members. Thank you Kindly! Stop the biases against the financially strained!!
Consumer complaint received 2022-01-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: D&A Services, LLC (NY)

D & A Services trying to summons money for a debt that was paid. I paid XXXX XXXX XXXX dollars for XXXX XXXX. XXXX XXXX has not updated their records. This debt was paid over two years ago. I tried to call D & A Services today and was hung up on after I explained the above .This company is offering a settlement of XXXX of XXXX. This is fraudulent because I paid the bill
Consumer complaint received 2023-04-24
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. (AZ)

This is the same dispute I have with XXXX. I got a bill from XXXX XXXX with a balance due and payoff good through date. I paid the bill before the payoff date, I received a paid in full letter from XXXX XXXX, then the next month they billed me again. XXXX XXXX paid this in full.
Consumer complaint received 2021-05-14
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 — Problem with personal statement of dispute
Company: Bread Financial Holdings, Inc. (AR)

I opened a Comenity Bank/Victoria 's Secret consumer credit card on XX/XX/XXXX. From the date the account was open in XXXX I remained current on all payments. In XX/XX/XXXX I took a job with a small medical practice that mainly served the geriatric population. The first COVID19 cases were being reported in late XXXX and our geriatric patient population began declining significantly due to the fear of being in a healthcare setting during an outbreak of a deadly virus. My hours were cut significantly at the beginning of XXXX and I was completely laid off at the end of XXXX due to lack of work. I missed my XXXX payment on my Comenity Bank/Victoria 's secret credit card due to the lack of working hours and uncertainty of financial stability at that time. In XXXX I was approved for unemployment assistance at which time I resumed payments on this card. I disputed the late charge that was reported to the credit bureau along with proof that I was laid off due to the Pandemic. After several disputes and explanation of my situation along with proof, Comenity Bank/Victoria 's secret still refuses to remove the late payment from my credit report.
Consumer complaint received 2023-06-26
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. (VA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX 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 2021-12-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.
Consumer complaint received 2022-11-30
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: Experian Information Solutions Inc. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX : {$0.00} ; XXXX XXXX Balance : {$0.00}
Consumer complaint received 2024-08-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (CA)

A rep XXXX submitted a finance request, but could not give me an XXXX as to how long this will take or when to expect a response! Per the XXXX XXXX XXXX  for borrower defense, which I am a XXXX XXXX  and expecting a refund of XXXX by end of XX/XX/year>! This is XXXX weeks away and it is ridiculous that they have no response as to when my check will be sent to me.
Consumer complaint received 2021-02-23
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (AZ)

I sent a procedure request to Equifax for an alleged bankruptcy. They were to ( by federal law ) provide me with the business name, address, and telephone number of any furnisher of information contacted in connection with this reinvestigation, in compliance with the The Fair Credit Reporting Act, Section 611, part B, subsection ( iii ) UNDER THE LAWS OF THE FCRA I HAVE A RIGHT to a " description of the procedures '' used to determine the accuracy and completeness of the disputed information. 

WHICH I CLEARY WAS DENIED THE RIGHT TO DO SO by Equifax. This is a serious violation of the FCRA and a error within Equifax 's dispute process. This is a very serious matter ... The response I received from Equifax definitely is not constitutional or in accordance with " The Fair Credit Reporting Act, Section 611, part B, subsection ( iii ) '' I sent this letter through certified mail to ensure a response which I did receive but it's obvious my right to " request the description of the procedures '' was denied ''.
Consumer complaint received 2022-11-30
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: Experian Information Solutions Inc. (CA)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureau to validate this account ( A ), as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any items of information contained in a my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and delete : XXXXXXXX XXXX XXXX Date Opened : XX/XX/2007 Balance : {$0.00}
Consumer complaint received 2021-03-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (IL)

In may original loan, the payment I make a month includes the HOA fee ( I have attached a copy of this ). BSI is aware that they must pay taxes, the insurance plus the HOA fee ( I have enclosed a copy of the letter they sent to me acknowledging this ). However, I get a threatening letter from an attorney 's office representing the HOA stating that they will pursue a judgment against me for non-payment. I have been calling BSI since XX/XX/XXXX about this. Everyone I talk always claim they know nothing about this and would forward my grievance to a " supervisor, '' who does not have a name and can not ever be reach or return phone calls. BSI claimed they sent out a payment on XX/XX/XXXX, which the HOA say they never got. BSI sent ( if they sent anything at all ) to some random POBox instead of the one assigned to the HOA. They wanted me to send them the correct information in which I did ( Please see a copy of the email I sent to them ). BSI claim they never got it even though I sent it to them to the email ( XXXX ) they wanted. No one at BSI is working at any urgency to send the HOA fees to the correct place or seem to be concerned that I may get a judgment against me for money that is debited ( ACH ) out of my account each month like clockwork on the XXXX of each month. BSI 's game is that every time I call, to deny that they know anything about it, have me continuously explain the situation for eternity as NO ONE will do anything about it. BSI would much rather keep giving me the run-around and wait for the next " customer rep '' to also make the false promises that they will " expedite '' the matter to their superiors, who do nothing. If they are not paying my HOA as it part of the escrow, then what are they doing with my money? I don't understand how I can call almost everyday since XX/XX/XXXX, and nothing gets accomplished. I believe BSI is participating in fraud or just plain crooks as they taking my money and doing other things with it.rather than what they are supposed to do with it.
Consumer complaint received 2024-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Hey I am filing a complaint against transunion, XXXX, XXXX I have a item on my credit files stating XXXX  dismissal XX/XX/year> I would like you to take a look at this item its inaccurate please investigate this.
Consumer complaint received 2021-03-06
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. (NY)

I disputed a negative reporting against my account by XXXX. All three credit bureaus placed a statement that the amount is disputed by the consumer by have not removed it from my credit report. XXXX will not discuss the inaccurate information claiming that the account is with an outside agency, XXXX. XXXX now states that are no longer handling the account. The credit bureau investigation is really not unfair. The bureaus simply ask the creditor if the information is correct then continue to report the information. A consumer who faces so much financial hardship due to damaged credit should not have to go through hoops to correct an error on her credit report. It is unfair.
Consumer complaint received 2021-07-04
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: NAVY FEDERAL CREDIT UNION (LA)

To whom it may concern, Pursuant to 15 U.S. Code 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device Should be excluded from a consumer report. The definition of a credit card under 15 U.S. Code 1681 is the same as it is under 15 U.S. Code 1602 ( l ) which is the term credit card means any card, plate, coupon book or other device existing for the purpose of obtaining money, property, labor or services on credit. Notice, Congress said Any card. The credit card is my Social Security card.This is the credit card I used to originate every consumer credit transaction.It should be removed from My consumer report with all Consumer Reporting Agencies : ( XXXX, XXXX, and XXXX ) pursuant to 15 U.S. Code 1681a ( 2 ) ( B ). As a federal protected Consumer I am demanding that you remove this Transaction from my Consumer report immediately with all the Consumer Reporting Agencies, as it is a violation of my rights as a federal Protected consumer under the title 15 chapter 41. 

-Navy Federal Credit Union
Consumer complaint received 2021-03-13
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. (AK)

I have been fighting with several credit reporting agencies and XXXX about my credit report. I filed chapter XXXX and included them and even though I have supplied ALL documents needed to show they were included and DISCHARGE, they continue to report. They even went so far as to SELL the bad debt to XXXX, who ALSO is trying to collect on the SAME student loan and is ALSO reporting to my credit bad/late payments. 

SO ... when then I find out that this is NOT the first time, they have violated CFPB laws. I have been complaining and NO ONE listens to me .... but this says it ALL! 

Student loan servicer XXXX illegally deceived borrowers, judge finds Last XXXX : XX/XX/XXXX at XXXX XXXX. ET First Published : XX/XX/XXXX at XXXX XXXX. ET By XXXX XXXX 3 Borrowers and their parents and grandparents were among those who suffered when XXXX violated a state consumer protection law, the court ruled. 

https : XXXX Comes as no surprise to me, but maybe NOW someone will take me seriously. 

ALSO, even if NO ONE believe me, how is XXXX or XXXX being allowed to report LATE PAYMENTS or COLLECTIONS on a FEDERAL STUDENT LOAN, given COVID?? 

THIS VIOLATES the Cornavirus and Forbearance Student Aid that took effect XX/XX/XXXX and is STILL in effect until XXXX, XXXX. WHICH MEANS, THEY CAN NOT REPORT LATE/COLLECTION to my report. 

I WANT ALL THE LATE/COLLECTIONS FROM XXXX AND XXXX REMOVED.
Consumer complaint received 2022-10-13
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. (PA)

Hello my name is XXXX XXXX XXXX, I am writing in regards to the information incorrectly listed on my file. I am requesting that these inaccurate items be deleted. The items I am requesting attention on are listed in the report. I am a victim of identity theft and did not make these changes. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-11-30
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: Experian Information Solutions Inc. (TX)

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX I XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-01-21
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. (FL)

On XX/XX/2020 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person.
Consumer complaint received 2022-07-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (TX)

I am attempting to have PMI removed from my mortgage. I submitted their form and feel I meet all their criteria tor PMI removal they have listed. I sent in the {$150.00} check for the appraisal fee. PHH cashed my check on XX/XX/XXXX and I have yet to have been contacted by an appraiser. I have contacted PHH by phone and have escalated the matter. First call was in XXXX or early XXXX, I waited a bit before the next call. It was in middle to late XXXX. First escalation call was XX/XX/XXXX and I was told to wait 7 days. Today I called ( XX/XX/XXXX ) and was told of no notable progress and that I should wait another seven days. Each time I am informed that they are passing this along to someone else. Each month I am stuck paying this and they dont seem willing to schedule an appraiser to come out. I have escalated as far as I can through their system and they still just told me to sit and wait another 7 days for a call. Unfair business practice to cash my check and not send an appraiser out.
Consumer complaint received 2022-06-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (TX)

I am interested in consolidating my FFELP student loans to take advantage of COVID relief and IDR Adjustment. My loan are currently in repaying under the IBR ( Income Based Repayment ) which is under the IDR plans. I have tried to contact both my of student loan servicers as well as the FSAIC ( Federal Student Aid Information Center ). I have been unable to get a definitive answer regarding my eligibility for the IDR adjustment to ensure that I will not lose the previous XXXX years of repayment that I have currently made. The articles I read said that I would need to consolidate into a Direct Loan before the IDR Adjustment which is estimated as XX/XX/2023. However, neither my servicers or the Department of Education are able to answer questions definitively regarding my ability to get credit for these previous payment towards forgiveness. Without knowing this, refinancing will cause me to lose the XXXX years of repayment. The student loan servicing and DOE information system is woefully unable to answer questions about their own programs and provide definitive answers to borrowers to better understand decisions that will cause significant harm to individuals if the wrong information is provided. I felt like I knew more about the IDR Adjustment than they did.
Consumer complaint received 2022-11-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have reached out to each of the consumer reporting bureaus to remove all inaccurate and invalid information from my credit reports. I have not given them my written consent to report any of these items. They stated on numerous occasions that they have verified the information, but have not provided me with any original documents or contracts. They only keep updating these inaccuracies which are causing adverse impact on my life. Each of these items is being reported with visible inaccuracies such even after my request for validation. 

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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXX 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.