davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-21
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: SLM CORPORATION (CT)

In XXXX I took out a private student loan which was serviced through Sallie Mae, which was later transferred to XXXX in XXXX time frame. I have two questions I need answered by Sallie Mae for which I attempted to achieve by calling their customer service today ( XX/XX/XXXX ) to obtain these answers. I first spoke with XXXX who hung up on me ( it is a recorded call ) and when I called back I spoke with XXXX who was extremely kind and did his absolute best to try and get answers for me although he had to constantly put me on hold to what I suspect was to ask somebody higher and that game of telephone was breaking down drastically. I need these 2 questions answered - by Sallie Mae, do not direct me to XXXX as XXXX did not service my loans up until the split. 

1. ) What was Sallie Mae 's credit criteria for cosigner release for the period covering Fall XXXX to XXXX XXXX. Was the credit criteria just a simple XXXX XXXX check, did it it *only* involve what was provided by the XXXX credit reporting agencies? It is a simple question that has to be on record with Sallie Mae, but might require some digging. I tried to explain to XXXX to envision a hypothetical as my question, although believed to be easy, appeared to cause confusion. The hypothetical is, if I applied for cosigner release in XXXX ( or in the summer of XXXX ) - what " credit criteria '' would Sallie Mae have used to determine if I met the obligations under my Promissory Note Section P that states " who meets applicable credit criteria ''. And I feel as I need to point out, section M paragraph 7 clearly states that Sallie Mae could not have changed the " applicable credit criteria '' without first notifying me in writing and my return approval-so whatever " applicable credit criteria '' was in place when I signed my loans on XX/XX/XXXX would have been the guiding policy. So I need to know what the policy was when I signed my private student loan with a cosigner. 

2. ) Both XXXX ( before hanging up on me ) and XXXX insisted I could not possible have private student loans with XXXX and I was simply confused since *only* federal loans were transferred to XXXX. So were my loans XXXX then made private? Not seeming likely but apparently I need to know, why were my *private* student loans transferred to XXXX then if it was only apparently the XXXX loans? And I wish I did not have to state this but XXXX and XXXX seemed to imply it, but XXXX was *not* servicing my loans until the split, my statements/disbursements/correspondences *all* state Sallie Mae up until the split in XXXX XXXX XXXX XXXX ). So as the information I was just provided by Sallie Mae customer service has now caused confusion, I need clarification as to why my 2 private loans with Sallie Mae were transferred to XXXX if only Federal loans were - according to today 's recorded conversation.
Consumer complaint received 2024-09-18
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. (MA)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

ATLCAPBKSELF - XXXX ATLCAPBKSELF - XXXX XXXX XXXX XXXX - XXXX OKNSINC - XXXX XXXX CRED - XXXX XXXX - XXXX FEBOPPLNS - XXXX XXXX CRED - XXXX XXXX CRED - XXXX FST PREMIER - XXXX XXXX CRED - XXXX LVNV FUNDING - XXXX POSSIBLEFINA - XXXX CONSUMER ADJ - XXXX XXXX - XXXX FOURSIGHT CA - XX/XX/XXXX STERLING HYU - XX/XX/XXXX CAPITAL XXXX - XX/XX/XXXX VETERANS UNI - XX/XX/XXXX MRVVERVREV - XX/XX/XXXX VETERANS UNI - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX Please block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Consumer complaint received 2021-04-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XX/XX/2021 I received a text from Bank of America asking if I had requested a transfer of {$2000.00}. Within seconds I answered a phone call with the BOA phone # ( XXXX ). The person on the line identified himself as a BOA employee. I did not suspect anything because I recognized the phone number and I just had received the text from BOA. The person advised me that {$3500.00} had been transferred to a XXXX XXXX account and that he would help me get my money bank. He proceeded to give me directions and eventually did XXXX transfers totaling {$3500.00} back to me. He advised me that he would lock my mobile app for 24 hours and he would call me back in 24 hours to verify that the money was back in my account. He called back the same day approximately at the same time, I logged onto the mobile app and discovered that the {$3500.00} was still not in my bank account. The person then advised me that the money was actually transferred to a XXXX account and that we would do the same procedure as the day before. I did another XXXX transfer of {$3500.00} back to " me ''. He advised me again that he would lock my mobile app for 24 hours and call me back to verify that the monies had transferred back to my account. On XX/XX/21 when he failed to call me back at XXXX XXXX. I dialed the phone # XXXX and was advised by BOA that there was no record of a BOA employee contacting me and that I had been scammed. I filed a fraud and scam claim and both were closed not in my favor. I was advised that they would not be reimbursing my {$7000.00}.
Consumer complaint received 2024-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by transunion. I believe these late payments are erroneous and do not accurately reflect my payment history. 

Nature of the Complaint : Inaccurate Reporting : The late payments listed on my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts. 

Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666b ), as they misrepresent my creditworthiness.

Potential Violation of Fair Debt Collection Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts.

Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information.

Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files. 

I will escalate this matter to the CFPB, citing articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ), which provide liability for willful and negligent noncompliance, respectively. These statutes allow for damages, including actual damages, attorneys fees, and possible civil penalties for failure to comply with the Act 's requirements. 

The account is XXXX XXXX  XXXX XXXX
Consumer complaint received 2021-07-02
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

I sent a letter regarding inaccurate and unknown things on my credit report. I still have yet to hear any result and it has been over 60 days. I feel as though it is truly unfair and I am being taken advantage of and being ignored of my concerns and disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 to 45 days, gives a reason to immediately remove these items from my credit report. Since it has been well over allotted time, they should be deleted promptly. I demand these accounts be deleted or I will file for litigation die to the stress you have caused me. My information was impacted by the Equifax data breach and may have got into hands of the wrong person.
Consumer complaint received 2021-04-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I am writing to let you know, on XX/XX/XXXX somebody used my personal information and opened CAPITAL ONE BANK USA N credit card account. I did not consent to this account being opened ever! I learned about this account about 7 months ago, I connected to the Capital One Bank and closed the account that was opened not by me. The representative told me that the account was paid off, the balance was XXXX {$0.00} }. On XX/XX/XXXX I applied for mortgage loan and the company told me that I have negative closed account in my credit. I started to dispute as a result of identity on all the credit bureau and Cap One. I was connected twice with Capital One Bank and there is no any result. I made a written request of documents from the Capital one bank and XXXX  Credit bureau so as to know who was trying to open my account and to make payments. They didn't provide me with any documentation in regards of this matter. Last time I was connected with Capitol One and XXXX  it was on XX/XX/XXXX. Capital one and transferred me to recovery department, the representative ( the name was XXXX XXXX, promised me to help, when I told that I am trying to apply for mortgage loan, but I couldn't do it because of charged off account XXXX  told me my dispute was still in pending status. As of today I have no information from neither company. Now I am asking you for help to remove fraudulent account from my XXXX  Credit report. 

Account Information Creditor : Capital One Bank Account # XXXX Date Opened : XX/XX/XXXX My Information XXXX XXXX XXXX Mission XXXX XXXX # XXXX XXXX XXXX CA XXXX DOB : XX/XX/XXXX Social XXXX PH XXXX
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Hi, there are a lot of errors being reported on my credit report which has been really frustrating. You keep on ignoring and disregarding my requests to correct inaccuracies on my credit report, this is a blatant violation of my rights as a consumer. This is causing a lot of problems in all aspects of my life, it's taking a toll on my mental health as my new credit applications gets denied due to your negligence.
Consumer complaint received 2021-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MI)

I have contacted XXXX in effort to rectify this situation and it has not gotten me anywhere. The balance being reported is from XXXX and we are now into XXXX. FCRA states that as a consumer, I am entitled to fair and accurate reporting. This is not it. The balances are wrong.
Consumer complaint received 2021-04-12
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. (MI)

I have contacted XXXX in effort to rectify this situation and it has not gotten me anywhere. The balance being reported is from XXXX and we are now into XXXX. FCRA states that as a consumer, I am entitled to fair and accurate reporting. This is not it. The balances are wrong.
Consumer complaint received 2021-04-12
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bread Financial Holdings, Inc. (TX)

The following company : Comenity Bank/David 's Bridal is reporting a late payment on my credit report. I have mailed letters to this company since last XXXX and have not received a written response from them. I have also contacted them via telephone and they're not able to find my name, social,, or phone number in their system. I'm asking that you remove this late fee from my credit report being that it's evident that this is not my account.
Consumer complaint received 2021-04-26
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY (MI)

I have contacted Nordstrom, at least 3 times, in efforts of resolving issues with payments that are made on my account. In XXXX, I called and was told that payments were being held on my account because my account was new, which is totally not the case. This account with them has been open since XXXX and I have had the same bank account since XXXX, none the less, my payments being on hold because they feel like it is unacceptable. I contacted Nordstrom again today and spoke to XXXX in California. I have made 3 payments to offsets charges on my card, one for XXXX, one for XXXX and one for XXXX, all made in store and 2 with cash. All payments are on hold. This is ridiculous. In addition there is a credit of XXXX on my account that is just sitting and instead of Nordstrom adjusting the bill PRIOR to reporting it to the credit bureaus, they report a high balance which effects my utilization which is simply inaccurate reporting according to the FCRA. This is by far THE WORSE department store card that I have.
Consumer complaint received 2023-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: World Acceptance Corporation (MO)

I Call XXXX about 10 times a day to update my XXXX XXXX to reflect on my accts XXXX XXXX and World finance Company they refuse but they did add XXXX to a XXXX XXXX  but im not in a XXXX XXXX  i ask to speak to supervisor, Special handling no one will help
Consumer complaint received 2021-10-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC (NC)

Account Name SUNRISE CRED Account Number NA Date Opened XX/XX/XXXX  Balance {$180.00} Collections is not from original creditor. I do not owe Sunrise Cred- {$180.00}. I never heard of Sunrise Cred and I never did a contract with them. 

These people billed me for {$480.00} but I it says on my credit report {$180.00} this is very inaccurate. They are reporting false information and this is very confusing.
Consumer complaint received 2022-08-01
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. (PA)

After reviewing my credit file with TransUnion, XXXX and XXXX. I found an inaccurate account furnished by XXXX. I sent a certified letter to TransUnion, XXXX and XXXX to have the debt validated and never received a reply. The account I am referring to is XXXX with account number XXXX. The entire account went from inaccurate to wildly inaccurate. I have found the following inaccuracies : The high balance is inaccurate. The date last verified is inaccurate, The date of last activity is inaccurate, The date closed is inaccurate, The past due amount is inaccurate, The credit limit is inaccurate. How can the credit limit be XXXX and the high balance XXXX and the past due amount be XXXX. When asking to verify this account a proper investigation was not done. TransUnion, XXXX and XXXX have violated my rights with inaccurate credit reporting.
Consumer complaint received 2024-12-04
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SUNRISE CREDIT SERVICES, INC (WI)

To Whom It May Concern, I am writing to file a formal complaint against Sunrise Credit Services for harassing me for the second time, despite having sent them a cease-and-desist letter. In my initial communication, I explicitly requested that they stop contacting me and explained that I am a XXXX XXXX  with protected, limited income, as I collect Supplemental Security Income ( SSI ). This means I am unable to afford to pay this debt. 

Despite my cease-and-desist request, Sunrise Credit Services has continued to contact me and is now threatening to report the debt to the national credit bureaus. Their actions violate the Fair Debt Collection Practices Act ( FDCPA ), which prohibits debt collectors from continuing to communicate with consumers after receiving a cease-and-desist notice. 

I have documents to support my claims, including a copy of the cease-and-desist letter I sent and records of the continued contact and threats made by Sunrise Credit Services. 

This repeated contact is causing unnecessary stress and XXXX, especially given my financial situation and the nature of my limited income. I respectfully request that the CFPB investigate this matter and take appropriate action to ensure Sunrise Credit Services complies with the law. 

Please let me know if any additional documentation or details are required to assist in resolving this issue. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-19
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Aargon Agency, Inc. (DC)

In XX/XX/XXXX i received a Notice of Claim from Aargon colletion Agency LLC., located at XXXX XXXX XXXX XXXX XXXX NV XXXX. I responded with a Conditional Acceptance. I requested a Verified Proof Claim, any certified documents assigning the collection agency as the transferee from the original creditor, and various questions that i needed satisfied. The only response that was sent was a Billing Statement. I refused this statement, because it was not what i required. In XXXX after many Conditional responses, that i sent Certified Mail with return Receipt Requested they never sent me anything certified nor authenticated. In XXXX i reviewed my Credit Report from XXXX. I noticed a Negative notation by Aargon collection Agency since XX/XX/XXXX. I never received any other information from Aargon before XX/XX/XXXX. The Negative Credit information was immediately removed by XXXX and my Credit went up XXXX points over night.. XXXX agreed with my dispute. Aargon Collection Agency was acting fraudulently and violated my rights to Due Process, and violating Fair debt collection practices Act, CFPA, and Fair credit reporting Act, among others. Thank you.
Consumer complaint received 2023-04-21
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: Shellpoint Partners, LLC (CA)

The dates mentioned I were late in making my payments were incorrect and unverifiable. I always paid on time .They claimed to have conducted a thorough investigation, despite the fact that it took them more than 30 days to finish it. However, when I reviewed my report, I found that nothing had changed. The false information is still being reported.

Numerous times, my rights have been violated. According to 15 U.S.C. 1681, section 602 A, I have the right to privacy. Section 2 of 15 U.S.C. 1681, Section 604 A. It also says that a consumer reporting agency can't give me an account unless I tell them in writing. 


Please update the payment history immediately for the accuracy of my report.
Consumer complaint received 2021-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

In XXXX, my ex-spouse purchased a vehicle with a XXXX XXXX XXXX XXXX loan and put me as a co-signer on the loan. He defaulted on the payments, and the vehicle was voluntarily repossessed in XXXX with an outstanding balance. XXXX XXXX sued for the outstanding balance, and on XX/XX/XXXX, I settled in court for {$4500.00}. The court order stated that XXXX XXXX would clear the derogatory remark from all the credit bureau agencies upon my final payment. I paid off the settled amount on XX/XX/XXXX, and confirmed with XXXX XXXX that my debt is settled and the account and case are closed. Their manager informed me that they would notify the credit agencies that the account is paid and closed and remove the derogatory remark. However, XXXX XXXX continues to report that account as derogatory monthly to the Experian credit agency. I filed multiple disputes through Experian with the attached court order and legal documents showing that I paid the settlement in full, and this account should be closed and marked as settled. However, XXXX XXXX denies the disputes and reports the account as derogatory on my Experian credit report. I called XXXX XXXX multiple times to resolve this, but no one ever returns my calls and voicemails or tells me they will leave a message for the manager. I've contacted Experian to try and resolve this on their end but was informed that they could not do anything if XXXX XXXX reports the account as derogatory. The negative remark affects my credit score, I am denied new credit and have to pay a very high interest rate. I am also unable to obtain a mortgage because of this remark. This is the only negative remark on my credit, and it continues to impact me even though I settled and paid off the debt with XXXX XXXX, which refuses to follow the court order.